Searching for smart ways to use your leftover FSA or HSA funds?
You’ve probably heard the terms FSA-eligible or HSA-eligible, but you may not know exactly how these accounts work, who they’re designed to benefit or how to use them creatively to check items off your or your loved ones’ Christmas list — or your own.
Some employers offer Flexible Spending Accounts (FSAs), which let you set aside pre-tax dollars for qualified healthcare expenses. That list includes certain healthcare treatment as well as basic over-the-counter products like sunscreen, first-aid supplies and feminine care items.
However, under the Health Savings Account (HSA), you can use your pre-tax dollars on a wider umbrella of skincare and wellness items, which are much more gift-friendly. Everything from Theragun massage guns to red-light skincare gadgets, sauna blankets, trendy wearables like the Oura Ring, and even Peloton bikes are potentially eligible when accompanied by the appropriate medical documentation.
Best FSA/HSA-Eligible Gifts
“You would be surprised at all the ways you can spend your FSA and HSA dollars,” Rachel Rouleau, chief compliance officer at Health E-Commerce, the parent brand to the FSA Store and HSA Store, previously told The Post. “The FSA Store and HSA Store carry more than 2,500 IRS-eligible products that people buy every day.”
These days, even more stores are marking products as FSA-eligible, so you can shop directly through their websites and save. Brands like Renpho and Ulta Beauty now have dedicated FSA-eligible pages to streamline the shopping experience for anyone looking to use up their dollars.
While certain items require a doctor’s letter or medical evaluation, many can be purchased with your FSA card right at checkout. If it’s not possible to check out with your HSA/FSA card, you can still qualify; just remember to save your receipts in case you need to submit a reimbursement claim later.
There is one catch: under many FSA plans’ “use it or lose it” rules, unspent funds don’t roll over into 2026. That means the clock is ticking if you want to put those dollars toward gifts that won’t go to waste.
Remember, FSA/HSA coverage can vary. Always confirm with your provider, and browse our guide on the best FSA-eligible gifts to grab now.
Best FSA-Eligible Gifts
Not all smartwatches are created equal, but Garmin stands out for its health-focused features and durable steel construction (we tested, and yes, it’s drop-proof). Several Garmin models are FSA/HSA eligible, allowing you to save through reimbursement after completing a quick health assessment.
With up to 14 days of battery life, the Garmin Venu 3 gives you a complete picture of your health. Track your sleep, monitor your body battery energy and access over 30 sport apps and personalized workouts designed to fit your lifestyle. It can even connect to an ECG app, using built-in sensors to track the electrical signals that regulate your heartbeat.
We previously tested the Garmin Forerunner and found that the brand offers some of the most advanced fitness trackers on the market — designed for serious athletes, adventurers and anyone committed to taking their health seriously.
Compact, rechargeable, and ADA-accepted, the Waterpik is perfect for travel or small spaces. With three pressure settings, a 360-degree rotating tip and a 7-ounce reservoir giving about 45 seconds of flossing bliss, it’s convenience meets clean. It charges up in four hours and runs up to four weeks per charge.
Maybe it’s not the most flashy Christmas gift, but a Waterpik Flosser is a practical buy, and a great investment in your long-term health (just ask the Post Wanted team, who swear by it for pearly whites).
Not to mention, oral care is instrumental to overall health. In this case, also HSA-eligible, so long as your Dentist can fill out a Letter of Medical Necessity for you.
The Peloton Bike Cross Training Bike transforms home workouts with its sleek design, immersive touchscreen, and thousands of live-streamed spin classes. Users can enjoy high-energy rides led by top instructors while tracking their progress with real-time metrics. And with an adjustable resistance level, you can chase your goals (and some wildly steep hills).
Best of all, the Peloton delivers studio-quality workouts at home, making it a great exercise bike for an at-home fitness fanatic. And, of course, it’s FSA-eligible. You will need a Letter of Medical Necessity (LMN) from a healthcare provider — but for something this splurge-worthy, it’s worth the extra step.
Wearables can be tricky to navigate when it comes to FSA-eligible purchases, but there’s one health-focused tracker that qualifies: WHOOP. This sleek device is more than just a fitness tracker; it’s a comprehensive health monitor designed to help you optimize your performance.
WHOOP pairs seamlessly with your smartphone to track sleep, activity, workouts and recovery, providing detailed trend reports that let you see how your habits impact your overall health. It can also give personalized recommendations to help you improve performance, reduce fatigue and help you make healthier choices every day.
The HSA/FSA eligibility applies to all WHOOP memberships with 12-month subscriptions. This means you could save 30% on whichever membership type works best for you. It’s more than a gift — it’s like having a personal trainer, nutritionist and wellness coach all in one.
Need a perfect gift for a high-schooler or college kid? Adolescents are notoriously hard to shop for, but one thing almost everyone agrees on is the TikTok-famous Hero Cosmetics Mighty Patch Duo. These drug-free, non-drying patches effectively clear breakouts and help heal skin.
The Post Wanted Team agrees they’re among the best pimple patches around — gentle enough for sensitive skin and proven to work. Bonus: they’re FSA/HSA eligible, making it easy to stock up and share with friends and family (those hard-to-shop-for Sephora teens included).
It can be tricky to navigate whether red-light gadgets are considered medical necessities rather than just consumer cosmetic products. But the Solawave 4-in-1 Skincare Wand makes the cut; it’s FSA/HSA eligible and recommended by board-certified dermatologists.
The wand combines red light, galvanic current, warmth and facial massage to deliver multiple benefits: smoothing fine lines and wrinkles, fading blemishes, brightening dark circles and spots, reducing puffiness and even enhancing the effectiveness of your serums.
Dr. Hadley King, a NYC-based dermatologist, gave it her seal of approval. And in her review, Commerce Writer Emma Sutton-Williams claimed, “If you’re looking for a convenient, effective red light therapy tool under $200 that targets red spots, the Solawave Wand is one of the best options on the market.”
Meet the HigherDOSE Infrared Sauna Blanket, the internet-famous blanket that boosts your body’s thermal energy and leaves your skin glowy while supporting healthy circulation. It’s the ultimate self-care gift, and something thousands of reviewers swear by for boosting mood and alleviating stress.
If you’re after a gift that gives spa vibes without leaving the couch, this sauna blanket is a genius buy before the holidays. It comes with a one-year warranty for peace of mind if anything acts up. According to HigherDOSE, you can save up to 40% off when using your HSA/FSA funds.
Don’t overlook this skincare essential, which is also FSA/HSA-approved. Dermatologists agree that sunscreen is a non-negotiable, helping prevent sunburn, skin cancer and premature aging. And if you have a friend or family member heading off on a winter getaway, it makes the perfect practical stocking stuffer.
The Vacation Classic Whip SPF 50 Sunscreen Mousse offers broad-spectrum SPF 50 protection in a delightfully airy foam that dispenses in star-shaped peaks thanks to its retro tilt-valve canister. After testing the brand’s full lineup, Victoria McDonnell, our resident beauty expert and commerce reporter, found the formula delivered a “lighter-than-air, beach-day feeling” better than any other sunscreen she tried.
Browse more HSA/FSA-approved skincare and beauty essentials from Ulta.
Upgrade your wellness routine with a massage gun trusted by thousands. The FDA-registered Therabody Theragun Prime delivers powerful, streamlined percussive therapy that drills away tension and speeds up recovery by targeting trigger points. Users enjoy customizable speed settings, a quiet motor and an ergonomic design.
It’s a great gift for anyone in need of muscle relief, from professional athletes to seniors recovering from injury. You can also connect it to the Therabody app for guided, step-by-step routines tailored to conditions like arthritis, sciatica, and plantar fasciitis.
Whether you’re holiday shopping or improving your own self-care, the Theragun Prime is a smart, HSA/FSA-eligible investment. It’s also on sale for $100 off.
Finally, FSA-eligible funds can go toward better sleep. One of our favorite ways to upgrade your bedtime routine is the best-selling Hatch Restore 3, Hatch’s most advanced sunrise alarm clock.
The Restore 3 lets you create fully customizable or pre-set routines with a growing library of calming soundscapes, science-backed meditations and soothing audio to help your brain unwind at night and reset your circadian rhythm. The Post Wanted team considers it a game-changer for new parents.
Shoppers can save up to 30% with their HSA/FSA dollars through the Hatch website. At checkout, choose “Truemed – Pay with HSA/FSA”, also listed under the Alternative Payment Methods section. Otherwise, save your receipts for reimbursement.
Give a gift they’ll actually use and need. Warby Parker offers a range of sleek, stylish eyeglasses for every prescription, including progressive, blue-light-filtering and anti-fatigue lenses, many of which are FSA/HSA eligible (you can also save an average of $100 when you use insurance).
McDonnell notes, “The pair we deem flattering on everyone is the Warby Parker Whalen Eyeglasses.” These cat-eye frames are crafted from hand-polished cellulose acetate and come in a range of neutral and bold shades to suit any personal style.
While most regular lip glosses or balms aren’t FSA/HSA eligible, this lip balm with SPF can count toward your pre-tax dollars.
The Sun Bum Tinted Lip Balm SPF 15 is nourishing and small enough to keep in your pocket or purse at all times. It comes in vibrant shades, and thousands of reviewers rave about its smooth texture and delicious flavor. A practical and fun pick, it’s perfect for daily use or as a thoughtful stocking stuffer.
Foot pain affects millions, and it’s no joke. Whether you struggle with plantar fasciitis, bunions or general foot discomfort, the RENPHO Foot Massager is designed to help ease your pain and soothe tired feet.
Crafted with insights from over 300 massage therapists, it features deep kneading and compression technology that is said to boost comfort by 30%. The 360-degree wraps fully relax your feet, while the high-precision airbag sensor automatically adjusts to your foot size for a custom massage.
You can purchase the RENPHO Foot Massager with your HSA or FSA card, just like a regular credit card. At checkout, select HSA/FSA Cards as your payment method or save your receipt for reimbursement.
If you’re looking for a unique and thoughtful gift, consider the 23andMe Health + Ancestry Service: Personal Genetic DNA Test — now FSA/HSA-approved. 23andMe provides an FSA/HSA calculator to help you determine exactly how much of the test is eligible.
This editor-approved DNA test not only traces your family lineage but also provides 100+ personalized genetic insights, including FDA-authorized reports on health predispositions, carrier status, wellness and more. Results are ready in as little as a month.
Ready to get in on the red-light trend? Multiple scientific studies show that LED face masks can benefit a variety of skin types, from mature skin looking to reduce wrinkles to acne-prone skin aiming to minimize scarring. If you’re curious about red-light therapy, the Omnilux is the mask to try.
Known as the “Rolls-Royce of red-light devices,” the Omnilux is priced at $395 for a reason — it delivers real results, according to thousands of reviewers. We’ve tested it ourselves on acne-affected skin, and it truly works. It’s also easy to use, comfortable to wear and FDA-approved for good measure.
If you want to save on this pricey device, the best way is to use FSA-eligible funds. To ensure eligibility, you may need to complete the telehealth consultation (required for some Omnilux products) or provide a Letter of Medical Necessity through the Omnilux website.
Simple and practical, the Touchland Power Mist Hydrating Hand Sanitizer is the one you’ve seen all over your feeds. It’s also a no-brainer FSA-eligible item to throw on your list. And, it doesn’t just kill bacteria.
These sleek little dispensers are offered in a travel-size case just right for a stocking, and they come in refreshing scents like Pure Lavender and Blue Sandalwood. Each bottle delivers over 500 sprays of a non-sticky formula infused with aloe vera and radish root ferment to keep hands hydrated and soft.
Consider another great gadget from Renpho to throw on the Christmas list: the mini massager.
Equipped with a heat-conductive steel head, this deep-tissue massage gun provides immediate warmth and fast, pulsing vibrations that effectively reduce muscle tension and soreness. Each one comes with four silicone massage heads to target different pressure points.
The RENPHO mini massager may be pocket-sized, but it’s exceptionally powerful — featuring a high-torque motor that reaches up to 3000 RPM. Best of all, it’s a gift that keeps giving, rechargeable in minutes. And you can with dozens of Renpho products, it’s FSA/HSA-approved.
Skincare can be a gray area for FSA/HSA eligibility, but certain Peter Thomas Roth products now qualify — including the cult-favorite Peter Thomas Roth Water Drench Hyaluronic Cloud Cream Hydrating Moisturizer.
Moisturizing is an essential step in any skincare routine, especially during the dry winter months. This hydrating cream helps replenish and nourish the skin, featuring 30% hyaluronic acid to lock in moisture for 72 hours. Available in both small and large sizes, it’s easy to redeem pre-tax with FSA/HSA funds.
If you’re looking for a great gift that will mesh right into their lifestyle, this is it. Think of the Oura Ring as an all-in-one wellness hub that adapts to your goals and helps you focus on what truly matters.
Crafted from lightweight titanium, the Oura Ring 4 combines durability with all-day comfort. Its recessed sensors track everything from motion and heart rate to blood oxygen levels and subtle temperature changes. Your data syncs directly to the Oura App, where you can access daily insights, goal tracking and even guided wellness meditations to support your overall health.
Not everyone knows that the Oura Ring is also HSA/FSA-eligible. It qualifies as a health-tracking device because it monitors medically relevant metrics like heart rate, blood oxygen and sleep patterns. You can often use your FSA or HSA card directly at checkout on the Oura online store, or keep your receipt for reimbursement.
Feminine Care: The Good Patch Cycle Plant-Based Wellness Patch
Yes, feminine care products are FSA/HSA-eligible, and Ulta Beauty has some great options for anyone who uses them. The Good Patch Cycle Plant-Based Wellness Patch is one of them — it’s your discreet, plant-powered ally during that time of the month.
Infused with 5% menthol and soothing black cohosh, this patch delivers targeted, temporary relief for those minor aches and pains. The four-way stretch, water-resistant fabric moves with you, so you get comfort and support without having to worry about it falling off.
It’s not fun at all, but most of us have experienced a sore back, and others live with chronic back pain. According to hundreds of reviewers, the RENPHO Heating Pad works wonders for pain relief, even for menstrual cramps.
This pad heats up quickly, fits most body shapes and offers six heat settings and three timing options (30, 60 and 90 minutes) for a fully customizable experience. The soft, plush material is gentle against the skin. It makes an excellent holiday gift, especially during those chillier winter months.
Head to Renpho to purchase with your HSA Card, or save your receipt for reimbursement.
This article was written by Miska Salemann, New York Post Commerce Writer/Reporter. As a health-forward member of Gen Z, Miska seeks out experts to weigh in on the benefits, safety and designs of both trending and tried-and-true fitness equipment, workout clothing, dietary supplements and more. Taking matters into her own hands, Miska intrepidly tests wellness products, ranging from Bryan Johnson’s Blueprint Longevity Mix to home gym elliptical machines to Jennifer Aniston’s favorite workout platform – often with her adorable one-year old daughter by her side. Before joining The Post, Miska covered lifestyle and consumer topics for the U.S. Sun and The Cannon Beach Gazette.
