14 Surprisingly Fun Things You Can Buy with Your HSA (Yes, Really!)
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Let’s be honest. When you think “Health Savings Account,” your brain probably jumps straight to boring doctor visits and dusty prescription receipts. But your HSA is actually kind of a secret weapon, like a hidden savings fairy that wants you to invest in self-care.
Sure, it covers the basics, but did you know you can use it for fancy blue light glasses, magical massage guns, and even period undies that make you feel like a goddess on your cycle?
I started digging into HSA-eligible items after realizing I had money sitting there, untouched, while still buying some of these things out of pocket. Rookie move. So I made it my mission to find the coolest, most comforting, and yes, medically approved ways to put that HSA money to work. You’ll be shocked by how many self-care favorites qualify, and I’ll even link some of my personal faves below (yep, some are affiliate links, which help support this cozy corner of the internet at no extra cost to you!).
Let’s dive in.
Wait, what’s an HSA again?
Your HSA, or Health Savings Account, is like a magical little bucket of tax-free money you can use on qualified medical expenses. If you’ve got a high-deductible health plan, you likely qualify. Bonus? The money rolls over year after year. Unlike FSAs, you don’t have to scramble to spend it by December 31.
Need help setting up your HSA or investing your balance? This beginner-friendly HSA guide breaks it down step-by-step.
So… what can I actually buy?
So much more than cough syrup and bandages. You can use your HSA for everyday wellness tools that make a real difference in your health—and maybe even bring you a little joy. Here are 14 fun and functional items that are HSA-eligible:
1. Sunscreen That Doesn’t Smell Like Regret
Protecting your skin from sun damage and wrinkles? Yes, please. This mineral SPF is gentle, fragrance-free, and totally HSA eligible according to Cigna.
2. The Hatch Alarm Clock
This dreamy alarm clock gently wakes you with sunrise-style light and sleep sounds. Check it out here—it’s HSA/FSA approved and worth every cent for better sleep.
3. Period Underwear
Say goodbye to waste and hello to comfort. These leak-proof undies are a game changer during that time of the month—and yep, covered.
4. Theragun (aka Muscle Magic Wand)
If you’ve got tension (or toddlers), the Theragun is worth its weight in gold. Use your HSA and melt those knots away.
5. Oura Ring
Track your sleep, heart rate, and even readiness to conquer the day. This wellness ring is sleek, smart, and HSA/FSA eligible. I never take mine off, and it helps me see how much sleep I *actually* got with a toddler who can’t seem to sleep through the night.
6. Breathing Strips
Snore no more. These strips open your airways and help you (and your partner) sleep better. No Rx required.
7. Electric Toothbrush
Good oral health is serious business. If your dentist gave you the green light, your HSA can help you snag a top-rated toothbrush that does the scrubbing for you.
8. Essential Oils (with a Doctor’s Note)
Got a prescription for stress relief or nausea? Then certain essential oils might be HSA eligible. Just check the guidelines and stock up on calm.
9. Hand Sanitizer That Smells Fancy
These chic sanitizers are compact, smell amazing, and actually make you want to clean your hands. Bonus: they qualify!
10. Humidifiers
Dry air, meet your match. This quiet humidifier helps soothe skin, sinuses, and snoring, and it’s totally covered.
11. Air Purifiers
Clean air = happy lungs. Use your HSA for an air purifier that filters out allergens and germs.
12. Blue Light Glasses
If your eyes are fried from screens, these stylish blue light blockers are a must. HSA funds well spent.
13. Spa Visits (But Only the Medically Approved Kind)
This one’s wild: if your doctor prescribes it for treatment, spa services like massages may qualify. Travel costs don’t count, but the treatment itself can. Just make sure you get documentation.
14. Sleep Support Products
Whether it’s a weighted blanket, melatonin, or magnesium gummies, many sleep aids qualify with a doctor’s note. Your future rested self will thank you.
Final Thoughts
Your HSA isn’t just a safety net, it can be a tool for thriving. By being intentional with how you spend those tax-free dollars, you can invest in your health, happiness, and maybe even squeeze in some luxury self-care along the way.
If you’ve got funds sitting there, don’t let them go to waste. Use this list to stock up on what you need and treat yourself to the kind of care that makes life feel just a little bit easier.
✨ Psst….don’t forget to bookmark this post and share it with your partner, your group chat, or your mom. Because chances are, someone you love has an HSA they’re not using to its full potential.
