HSA & FSA-Approved Skincare at Perricone MD
As healthcare costs continue to rise in 2025, Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) have become more valuable than ever for managing medical expenses. Here’s what you need to know about both to make the most of every dollar and prioritize your overall health.
HSA vs. FSA: Benefits & Key Differences
Both HSAs and FSAs allow you to set aside pre-tax dollars for qualified healthcare costs, from doctor visits and prescriptions to preventive care. The benefits of both include helping you reduce your taxable income, stretch your budget further and invest in preventative healthcare.
To qualify for an HSA, you must be 18 years or older, not enrolled in Medicare, not a dependent on someone else’s federal taxes, and must be enrolled in an HSA-eligible high-deductible health plan (HDHP). To qualify for an FSA, you must be employed by a company that offers this benefit.
Now, what’s the difference? Simply put, HSAs offer unmatched flexibility: funds roll over year to year, and after age 65, any remaining balance can be used for any purpose (though non-medical withdrawals will be taxed at that point). FSAs, in contrast, encourage careful planning, as they generally follow a use-it-or-lose-it rule and have annual contribution limits. Despite these differences, both accounts give you a tax-advantaged way to manage healthcare costs, helping you stay in control of your spending and prepare for the unexpected.
Is Skincare HSA & FSA Eligible? Plus, Everything That Qualifies
Many skincare and wellness products may qualify as HSA/FSA-eligible if they serve a medical purpose rather than being purely cosmetic. Typically, this includes items that treat or prevent specific skin concerns, such as acne treatments, sunscreens with SPF 15 or higher, eczema therapies, first-aid products and certain dermatologist-recommended formulations. Eligibility is determined by IRS guidelines and some products may require a Letter of Medical Necessity (LMN) from a healthcare provider. Some of our bestselling eligible products:
Sunscreen
High Potency Classics Face Finishing & Firming Tinted Moisturizer Broad Spectrum SPF 30 Delivers all-day hydration with a hint of luminous tint while tightening, plumping and protecting skin from aging UVA and burning UVB rays.
Vitamin C Ester Photo-Brightening Moisturizer Broad Spectrum SPF 30 Visibly brightens, tightens and reduces the appearance of dark spots while mineral-based SPF protects against environmental aggressors.
Hypoallergenic Clean Correction Ultra-Lightweight Calming Veil Broad Spectrum SPF 35 Provides powerful broad-spectrum protection suitable for sensitive skin as it calms and soothes, leaving an invisible, non-greasy finish.
Acne Treatments
Acne Relief Prebiotic Acne Therapy 30-Day Regimen Works with your skin’s natural microbiome to treat the three main causes of acne (excess oil, breakout-causing bacteria and inflammation) in just two steps.
Acne Relief Gentle Exfoliating Toner Lifts impurities and removes all traces of oil, dirt and debris while visibly smoothing and minimizing pores.
Acne Relief Calming & Soothing Clay Mask Boosts existing acne-fighting regimen by instantly detoxifying, soothing and hydrating blemish-prone skin.
Acne Relief Maximum Strength Spot Gel Minimizes the look of blemishes and prevents future breakouts by killing acne-causing bacteria, unclogging pores and absorbing excess oil without over-drying.
How to Shop HSA- & FSA-Approved Skincare
Follow these four easy steps to use your HSA/FSA pre-tax dollars on PerriconeMD.com.
STEP 1: BUILD YOUR CART.
Look for “HSA/FSA Eligible” badge on product pages.
STEP 2: CONFIRM ELIGIBILITY.
Complete a quick telehealth questionnaire to confirm your eligibility for some products, then proceed to payment.
STEP 3: SELECT FLEX AT CHECKOUT.
Pay with your HSA/FSA card or use a regular card and submit the receipt for reimbursement.
STEP 4: ENTER HSA/FSA CARD DETAILS.
After checkout, Flex emails an itemized receipt and, if needed, a Letter of Medical Necessity. Save them for your HSA/FSA records.
As you’re holiday shopping, don’t forget that your HSA and FSA aren’t just for unexpected medical expenses — they can also be used to invest in your skin’s health. Treat your skin while making the most of your benefits for healthy, radiant skin all season long. Especially if those funds don’t roll into 2026 with you, be sure to use them before you lose them.
