The top 34 products approved by FSA in 2025 - tested and recommended by Yahoo

Forget Black Friday the real spending season is here for Flexible Spending Accounts (FSAs). If you have leftover FSA dollars, now is the moment to use them on eligible products. Why hurry? Most FSA funds expire after December 31 and return to your employer, not your wallet. That makes this last-minute shopping guilt-free and fully funded.

Thousands of everyday health and wellness items qualify for FSA coverage, from sunscreens to compression socks. But there are also some unexpected picks like cooling sheets, massage cushions, and red light therapy devices.

Top FSA-Eligible Sunscreens and Skincare for 2025

FSA funds cover sunscreen (SPF 15+ broad-spectrum) and also acne treatments and barrier-repair creams. Here are the top editor-approved choices:

• Neutrogena Ultra Sheer Dry-Touch Sunscreen Lightweight, fast-absorbing, matte finish, $9 at Target.
• EltaMD UV Sport Sunscreen SPF 50 Smooth, sweat-resistant, no white cast, $26 at Amazon.
• Supergoop! PLAY Everyday Lotion SPF 50 Broad-spectrum, fast-absorbing, face & body safe, $19 at Amazon.
• Peter Thomas Roth Max Mineral Tinted Sunscreen Water-resistant, tinted for most skin tones, $27 at Amazon.
• CosRX Pimple Patches (26 pack) Hydrocolloid patches for overnight zits, $8 at FSA Store.

FSA-Approved Menstrual, Fertility, and Incontinence Essentials

Products such as tampons, menstrual cups, fertility tests, and adult incontinence items can be purchased with FSA funds. Editors tested the following top performers:

• Saalt Soft Menstrual Cup Comfortable, leak-proof, $23 at Amazon.
• Natracare Organic Cotton Tampons Easy, comfortable, and fully organic, $13 at Amazon.
• Saalt Comfort Modal Boyshort Period Underwear Absorbent overnight option, $35 at Amazon.
• MoliCare Premium Elastic Briefs Absorbent and comfortable adult diapers, $29 at LL Medico.
• Amazon Basics Discreet Incontinence Underwear Affordable, absorbent, $34 at Amazon.
• Easy@Home Ovulation Test Strips (25 pack) Budget-friendly, easy-to-read, $10 at Amazon.
• myLAB Box Womens Health + Fertility Test Covers 11 hormones, lab-processed, $249 at myLAB Box.

Pain Relief and Recovery Tools Eligible for FSA

Many recovery items qualify, though products like massage guns may require a Letter of Medical Necessity (LMN).

• OnlyCare Migraine Relief Cap Ice cap with neck wrap, $31 at Amazon.
• Zyllion Shiatsu Back and Neck Massager Cordless, deep massage with heat, $75 at Amazon.
• Rally Massage Gun Adjustable percussion massage, $399 at Rally.
• Biofreeze Professional Gel Menthol pain relief, $14 at Amazon.
• Vim & Vigr Medical-Grade Compression Socks 30-40 mmHg, $54 at Amazon.
• Therabody ThermBack LED Red light therapy for back pain, $270 at Amazon.
• Therabody WaveDuo Calf and foot massager, $100 at Amazon.
• TRX Foam Roller Affordable relief for muscles, $16 at TRX.
• Sparthos Back Brace Supports lower back and sciatica, $24 at Amazon.
• Featol Wrist Brace Adjustable for tendinitis support, $11 at Amazon.

Sleep Aids and Relaxation Products

Good sleep is essential, and FSAs can cover various sleep aids. Some may require an LMN.

• Hatch Restore White noise, alarm, and sleep assistant, $140 at Hatch.
• Cozy Earth Bamboo Sheet Set Soft and cool, $181 at Cozy Earth.
• Breathe Right Nasal Strips (30 pack) Reduces snoring, $11 at Amazon.
• Oura Ring Tracks sleep stages and heart rate, $499 at Target.

Unexpected FSA-Eligible Items

• Garmin Venu Fitness tracker with health monitoring, $600 at Garmin.
• Naked Whey Protein Powder Minimal ingredients, $100 at Naked Nutrition.
• AG1 Greens Powder All-in-one nutritional supplement, $99 at AG1.
• Momentous Creatine Unflavored, research-backed, $40 at Momentous.
• Cure Hydration Electrolyte Mix (28 pack) Plant-based hydration, $47 at Cure.
• Peloton Indoor Exercise Bike Studio-like cycling at home, $845 at Peloton.

FSA FAQs

How to confirm eligibility: Look for FSA eligible or HSA eligible on product pages. Check the plans approved expenses list if uncertain.

Using FSA online: Link your card to automatically apply to eligible items. Otherwise, pay and submit receipts for reimbursement.

Letter of Medical Necessity: Required for some items like massage guns or red-light devices. Written by a licensed healthcare provider.

Why some items appear ineligible: Some retailers dont flag FSA eligibility. Purchase through brand sites with verification platforms like TrueMed.

Unused funds: Most FSA plans follow use-it-or-lose-it rules, though some allow carryovers or grace periods. Check your specific plan.

Note: This content is informational and not a substitute for professional medical advice. Consult a healthcare provider for guidance.

Author's Commentary: Maximizing Your FSA Benefits Before Year-End

As the end of the year approaches, it’s crucial to be aware of the upcoming deadline for using Flexible Spending Accounts (FSAs). With December 31 marking the expiration of most FSA funds, now is the perfect time to make those last-minute purchases. This shopping season may not have the same buzz as Black Friday, but it offers significant financial advantages for health-related products.

FSAs allow individuals to spend pre-tax dollars on a wide array of health and wellness items, which can significantly reduce the cost of products like sunscreens, menstrual care, and pain relief tools. However, many consumers are unaware of the broader range of items that qualify for FSA reimbursement, from fitness trackers to relaxation aids. It's important to check your specific plan to understand what’s covered, as some FSA plans may offer carryovers or grace periods beyond the usual year-end deadline.

Another aspect worth noting is the need for documentation when purchasing certain items. Products such as massage guns or red light therapy devices may require a Letter of Medical Necessity (LMN) from a healthcare provider. This requirement, while sometimes an inconvenience, can open the door to higher-ticket items that significantly improve one’s health and well-being.

Whether it’s investing in essential skincare or purchasing a Peloton bike to stay fit at home, this year’s FSA shopping season presents an excellent opportunity to use up those funds while making purchases that support long-term health. Take the time to browse the full range of eligible items and make sure you don’t miss out on the benefits before the clock runs out.

Sources:

• The 34 best FSA-approved products of 2025 — tested and recommended by Yahoo