7 Over-the-Counter Pain Relief Products That Are HSA and FSA Eligible

Nov 30th 2020

From falling on the ice to joint pain to the dreaded flu, winter can bring more than the usual aches and pains for some people. Fortunately, with a health savings account (HSA) or a medical flexible spending account (medical FSA), you’re allowed to use your funds to purchase over-the-counter pain relievers without a prescription. That’s a change that took effect Jan. 1, 2020, as part of the CARES Act designed to provide relief during the COVID-19 pandemic.

Here are seven pain relief products you can now use your card to purchase at any time:

TheraFlow Foot Massager Roller

If you have tired feet, plantar fasciitis, diabetic neuropathy or other foot pain, this massager can provide quick relief. Its nubs and grooves are designed to stimulate and relax the muscles and tissues of the foot, and it can be used on hands and arms, as well.

Excedrin Migraine

Here’s pain relief for one of the most problematic types of headaches: migraines. Excedrin migraine contains acetaminophen, aspirin, and therapeutically active caffeine to help ease the pain, nausea, and auras that can occur with migraines.

A&D Original Ointment

This soothing ointment not only prevents and treats diaper rash in babies, but it helps heal painfully dry or chafed skin and soothes minor cuts and burns in anyone.

Advil PM

Ibuprofen is great for headaches and reducing fevers, along with a variety of other aches and pains. Advil and its generic relatives are nonsteroidal anti-inflammatory drugs (NSAIDs), which are a popular choice for general pain relief — and this product adds diphenhydramine as a non-habit-forming sleep aid.

ViruLite Cold Sore Treatment Device

This FDA-approved treatment for cold sores uses light technology to shorten the healing time of a painful cold sore by about half. It emits a wavelength of light invisible to the human eye and can be reused every time you get a cold sore.

Aspercreme with Lidocaine

For joint and muscle pain, sprains, or backaches, this cream product uses lidocaine to dampen pain receptors and numb the problem. These types of products come in creams, lotions, roll-ons, gels, and patches — all eligible for purchase with a benefits debit card.


Fill this reusable bag with either hot or cold water, depending on your needs — cold for soothing inflammation, heat for easing muscle pain. It’s leak-proof, latex-free and is a lot more convenient than pulling a bag of frozen peas out of the freezer.

See a full list of eligible over-the-counter pain-relief products here.