How Your HSA Can Cover Over-the-Counter Medications in 2026

Since the CARES Act permanently allowed HSAs to cover over-the-counter drugs without a prescription, millions of account holders have been leaving money on the table. Lucas explains the rule change that took effect in 2020, how to use your HSA card at pharmacies for items like allergy meds and pain relievers, and the surprising list of eligible OTC items—including menstrual products. Luna shares how she recently used her HSA for a first aid kit and sunscreen. They also discuss record-keeping best practices and why many people still don't realize these expenses qualify. A practical guide to making your HSA work harder for everyday health spending. #HSA #OverTheCounter #CARESAct #MedicalExpenses #HealthSavingsAccount #PersonalFinance #TripleTaxAdvantage #OTCMedications #FSA #HealthCareCosts #TaxSavings #FexingoBusiness #BusinessPodcast #Finance #LucasAndLuna #FlexibleSpending #RecordKeeping #Sunscreen Keep every episode free: buymeacoffee.com/fexingo