Moisturizer: HSA Eligibility

What is a moisturizer?

Moisturizer is a product designed to help the skin retain or regain its natural moisture. Moisturizer is an Over-the-Counter (OTC) product, but is not eligible for reimbursement with any consumer-directed healthcare account. Moisturizer on its own does not treat, alleviate or prevent a medical condition or disease, and is usually considered a personal use product, and therefore is not eligible.

Moisturizers are also called emollients. They may be found in lotions, creams, ointments, and bath/shower additives to oil the skin and keep it moist (Healthline).

Medical conditions that may require a special moisturizer include burns, allergies, eczema, dermatitis, open wounds, dry or aged skin, and viral or fungal infections.

Moisturizers purchased for personal use purposes are typically geared for a specific part of the body such as the hands, body, face, eyes, or feet. Moisturizers that are dispensed via pump are usually more hygienic that moisturizer creams that are stored in a pot. Moisturizers contain individual instructions for application and usage. Usually, moisturizers should be smoothed into the skin with the direction of hair growth rather than rubbed in. Moisturizers are most effective when used right after a bath or shower. Moisturizers can cause folliculitis by blocking the hair follicles of the skin, though this is rare.