Dental
Is mouthwash FSA eligible?
No — mouthwash and oral rinses are not FSA or HSA eligible.
Like toothpaste and toothbrushes, mouthwash counts as general oral hygiene rather than treatment of a condition, even the antiseptic and fluoride varieties on the drugstore shelf. A prescription rinse your dentist writes for gum disease is the exception — that's a prescribed treatment.
Not eligible — find a close match instead
Mouthwash 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.