Candor

Is Toiletries & cosmetics HSA-eligible?

No — not HSA-eligible

Everyday personal-care products are not qualified medical expenses.

IRS authority

IRS Pub. 502 (general-health exclusion)

Worth knowing

Medicated products treating a specific condition (e.g., dandruff shampoo with an LMN) can be different — rare.

Category: Other · Bucket C (Not HSA-eligible)

This one doesn't qualify, but a lot of similar items do.

Browse HSA-eligible items →

Informational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-08-15, last verified July 2026.

All eligibility answers · Candor — the HSA shoebox