10 HSA Eligible Baby Expenses for New Parents

Being a new parent comes with a laundry list of unexpected expenses, with some studies saying that new parents spend an average of $13,000 during a baby’s first year of life. Thankfully, you can use your HSA to pay for many of these expenses.

Here are some of the most useful products for new parents that are also HSA eligible.

Baby sunscreen

Babies six months and older should use sunscreen when they’re outside for extended periods of time. All types of sunscreens are HSA eligible, including stick, lotion and spray-based products, as long as they are SPF 15+ and offer broad-spectrum protection. Sticks and sprays may be easier for parents whose babies don’t want to sit still long enough to apply a lotion-based sunscreen. Baby Bum SPF 50 Mineral Sunscreen Lotion is popular with parents.

Parents should choose a broad-spectrum sunscreen with an SPF of 30 or more. Make sure to apply it everywhere and reapply every two hours.

Baby breathing monitor

A baby monitor is one of the most essential products for new parents. The monitor provides a real-time view of the baby, breathing data, and other metrics so you can keep an eye on their health while they sleep. The Nanit Pro Complete Baby Monitoring System has everything for a complete view of your baby's wellness: track sleep, breathing motion, and growth, sensor-free. See and hear your baby with stunning clarity from a superpowered HD camera that tracks sound and motion down to the pixel level and never miss a thing with auto-saved memories.


Baby thermometers are HSA eligible and a staple for any new parent. Doctors usually say that rectal thermometers, like the Vicks SpeedRead Digital Thermometer, provide the most accurate readings for newborns. Forehead thermometers like the Braun No Touch + Forehead Thermometer are also popular because they’re portable and comfortable to use.

Lotions and creams

Parents can use their HSA to purchase lotions, ointments, and creams to alleviate baby skin conditions like diaper rash, eczema, and dry skin. Aveeno Nighttime Balm can be used for dry patches, burns, small cuts, and more. Babies with eczema or severe dry skin can use Aveeno Baby Eczema Therapy Moisturizing Cream, which can also reduce the itchiness associated with dry skin. 

The Desitin Daily Defense Zinc Oxide Diaper Rash Cream Jar can both treat and prevent diaper rash.

First aid kits for babies

A baby first aid kit contains band-aids, gauze, tweezers, antiseptic wipes, sterile gloves, baby wipes and more to help with emergencies. The Caring Mill® Sports First Aid Kit is an affordable option and can easily fit in a purse or diaper bag. Parents should also keep a first aid kit in each car and at home. If you have a babysitter or nanny, make sure they always know where the first aid kit is.

If you already have a first-aid kit, you can supplement it with items from these kits, so there are always baby-sized items.

Sinus Care

Parents whose babies suffer from sinus issues or allergies have lots of HSA eligible options to choose from. Little Noses Saline Mist Spray can also remove mucus and unclog stuffy noses. These sprays can be used as often as necessary with no negative side effects. These products are especially useful during the winter months or the spring allergy season.

Ear pain

Babies who get wax buildup in their ears may find it painful and hard to hear. Using a product like the Braun Nasal Aspirator can remove the excess wax safely and without a trip to the doctor’s office. If your baby is prone to ear infections, you may find it helpful to use the Apothecary Eazy Care Medi-Scope Magnifying Light. This light lets you peek into your baby’s ear canal and see if it’s red, inflamed, or swollen. This isn’t a substitute for a medical professional’s opinion, but it can give you a better sense of what’s going on. 

Medicine dispenser

Getting a baby to take their medicine is never an easy process. That’s where the EZY Dose Medicine Spoon and Medicine Dropper can help with clearly marked measurements along the tube to ensure the right dosage for your little one. With the extended tube, you can place the medicine in your baby’s mouth, avoiding the taste buds, so your baby is less likely to spit it up.

Colic relief

Having a baby with colic is a frustrating experience. Thankfully, there are HSA eligible options to mitigate some possible causes. The Happi Tummi Colic and Gas Relief Herbal Waistband is worn by the baby and can relieve colic symptoms caused by gas or stomach aches. Parents who want to avoid giving their baby medicine can use Fridababy The Windi Gas & Colic Relief, which is inserted rectally to release trapped gas.

Prenatal vitamins

Prenatal vitamins are designed to provide nutritional support for pregnant women and babies and are HSA eligible for the prevention of birth defects. Talk to your doctor before taking any vitamins to ensure they don’t react with any other medication you may be taking.

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