The CARES Act and
your HSA, FSA, and HRA
The Cares Act and your HSA, FSA, and HRA

Here’s what you should know about the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

More flexibility, more savings

Number One

Over-the-counter medications are qualifying medical expenses.

Number Two

Menstrual care products are now qualifying medical expenses.

Number Three

You may use telehealth services and still be HSA eligible.

Number Four

You may use your HSA to pay for telehealth services.

Learn more about these changes

You can now use your HSA, FSA, or HRA for certain over-the-counter medications without a prescription.

Qualifying items:

  • Common over-the counter medications like pain relievers, such as aspirin or ibuprofen, and cold and flu medications.

  • For the first time, menstrual care products are considered qualifying medical expenses.

  • Lodging, disposable masks, and hand sanitizer are considered qualifying medical expenses only with a prescription or letter of medical necessity from a doctor.

          Click here to see what qualifies.

The change to over-the-counter medications applies to products you purchased any time after Jan. 1, 2020. Retailers will need to update their systems to recognize these products as qualified medical expenses, so you may experience some inconsistencies when purchasing items. Save your receipts so you can be reimbursed for eligible out-of-pocket expenses.

  • You may use telehealth services without impacting your eligibility for an HSA. Whether telehealth services are covered before reaching the deductible is up to employers, so check your plan documents. You can also choose to purchase telehealth services outside of your high-deductible health plan without impacting your eligibility for an HSA.

  • You may use your HSA to pay for qualified medical expenses obtained during the telehealth appointment. This includes COVID-19-related testing or treatment.

  • The changes to telehealth services apply through Dec. 31, 2021.


For more information on COVID-19 updates related to your health account, visit our Special Communications webpage.