Everyday OTC
Is ear drops & earwax removal FSA eligible?
FSA & HSA eligible
Yes — ear drops for swimmer's ear and earwax removal kits are FSA and HSA eligible.
Drying drops, earwax-softening drops (Debrox), and bulb-syringe removal kits all qualify as OTC care. (Cotton swabs don't — they're general hygiene, and your doctor would rather you didn't anyway.)
How to pay for it
- Tap your FSA/HSA debit card at checkout — most pharmacies, optical shops, and many online retailers take it directly.
- Buying online? FSA-only stores pre-filter their catalog to qualified items, so nothing in your cart bounces at checkout.
- No card on hand? Pay out of pocket and file a claim with your administrator — just keep the itemized receipt (a photo is fine).
Does the same answer apply to an HSA?
Yes. FSAs and HSAs share the same qualified-medical-expense rules (IRS Publication 502), so eligibility is identical. The difference is the deadline: FSA money is forfeited at the end of the plan year, while HSA money never expires.
Last reviewed 2026-06-11. Based on IRS Publication 502 and published IRS guidance. Not tax or medical advice — your plan administrator has the final say.