Personal care
Is minoxidil & hair-loss treatments FSA eligible?
No — minoxidil (Rogaine) and other hair-regrowth products are generally not FSA or HSA eligible.
The IRS treats hair loss as cosmetic, so regrowth treatments don't qualify in the normal case. The narrow exception is hair loss caused by a diagnosed disease or its treatment, documented with a letter of medical necessity — without that, expect a denial.
Not eligible — find a close match instead
Minoxidil & hair-loss treatments doesn't qualify on its own, but a near neighbor often does — the medicated or SPF version of a product, or an in-office treatment instead of the at-home one. Search the eligibility checker for an alternative your FSA will cover.
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.