Everyday OTC
Is nasal spray FSA eligible?
FSA & HSA eligible
Yes — saline and medicated nasal sprays are FSA and HSA eligible.
Decongestant sprays, steroid sprays, and plain saline rinses (including neti pots and sinus rinse kits) all qualify. Saline counts as a medical supply, the medicated ones as OTC drugs.
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.