- FSA Store Review: is FSA Store Legit? - April 13, 2025
- National Debt Relief Review - April 7, 2025
Your biggest monthly expense probably isn’t what you think it is. It’s not your mortgage or your rent, your car payment or your grocery bill.
It’s tax.
Once you add up state and federal income taxes, property tax, and sales tax, the government is taking a huge chunk of your money every month. So, it’s always a good idea to look for exemptions wherever you can.
Your Flexible Spending Account (FSA) is one source of such exemptions. It allows you to pay for certain medical and healthcare products tax-free.
Of course, not every product is eligible for this, and figuring out what is and what isn’t can be a pain. This is where the FSA Store comes in. Every product on the website is 100% FSA eligible, meaning you can use it as a one-stop shop for all your self-care needs and save big on taxes.
But is it legit? Let’s find out.
What I Like
- 100% FSA-eligible inventory – The site only features FSA-eligible products, so you know everything you want to purchase will qualify.
- Huge selection of products – From bandages to baby monitors, if it’s an eligible product, chances are FSA Store carries it. The website also lays everything out nicely, and the search function works exactly as it’s supposed to (you’d be amazed at how often this isn’t the case).
- Easy FSA payments – This is the feature that makes you realize exactly why this business was founded, and why it’s been successful. Checkout is built with FSA in mind. You can pay with your FSA debit card just like a normal credit card, and because all items qualify, there are no claims hassles. It’s a seamless experience compared to submitting receipts for reimbursement elsewhere.
- Perks, rewards, and deals – There are plenty of promo codes and seasonal discounts. Free shipping over $50 is also standard. Plus, the FSA Perks loyalty program lets you earn points on purchases and other activities (like reviewing items).
- Customer support – There’s a 24/7 helpline, as well as FAQs, an FSA Calculator, and a Learning Center on the site as well. All are helpful.
What I Don’t Like
- Higher prices on some goods – You’re paying a small premium on some items; see the Competitor Comparison section for more details here.
- Smaller orders aren’t cost-effective – Free shipping only kicks in for orders over $50. If, like so many of us, you’ve gotten too used to Amazon Prime, this might be tough to take.
How Does FSA Eligibility Work?
A Flexible Spending Account (FSA) is an employer benefit that lets you set aside money pre-tax to spend on healthcare expenses. This can save you around 30% on eligible purchases (depending on your effective income tax rate).
FSAs are generally “use it or lose it.” Funds typically must be spent by the end of the plan year (or during a short grace period thereafter), or they’re forfeited.
The IRS sets out detailed rules regarding FSA-eligible products; broadly, they must have a genuine health or medical use. Of course, the IRS makes things much, much more complicated than that in practice, which is why it’s so handy to have a dedicated FSA-eligible retailer like FSA Store.
Everyday examples of FSA-eligible products include things like bandages, prescription glasses, and allergy medications. On the flip side, items that are merely for general health, cosmetic purposes, or luxury convenience (like vitamins for general wellness, or spa treatments) usually do not qualify because they’re not treating a specific medical condition.
Competitor Comparison
1. HSA Store (HSAstore.com)
This sister site to FSA Store focuses on products available to Health Savings Account (HSA) users. This is a similar scheme to the FSA, and there’s a lot of overlap in terms of available products.
It offers a very similar shopping experience: it offers only eligible items, accepts HSA cards, and has education resources.
Bottom line: Worth checking out if you’re more interested in HSA-eligible goods.
2. Amazon’s FSA/HSA Store
Amazon has a dedicated section for FSA- and HSA-eligible products. It’s well-stocked, and often cheaper than FSA Store for big-brand items.
However, it’s not curated as well as FSA Store, and not everything in the section is automatically eligible—you have to read the fine print. Also, your FSA card may not always work at checkout depending on the vendor and payment setup. There are several Reddit threads about FSA cards being declined, eligible goods registering as ordinary groceries, etc.
Bottom line: If you’re determined to get the best possible bargains, this might be for you. However, there’s more work involved when it comes to determining eligibility and claiming your money.
3. Walmart, CVS, Walgreens (FSA-Eligible Sections)
All major retailers now highlight FSA-eligible items online; you can even filter by “FSA/HSA eligible” in search results.
Again, though, there’s no 100% eligible guarantee—you have to self-verify. You’ll typically need to claim your reimbursement the old-fashioned way unless you use an FSA debit card and enter your item codes.
Bottom line: Good for supplementing your shopping, but not tailored for FSA users.
The Product Line
The most impressive thing about FSA Store for me is the breadth of its catalog. It covers practically every category of eligible product, and there are plenty of things there you mightn’t have expected to see.
Personal Care
Personal Care covers everyday health and wellness items that keep you feeling your best. This includes skincare (like acne treatments and moisturizers), sun care, oral care, and sexual health products.
Medicine & Treatments
This category includes over-the-counter drugs and remedies for all sorts of common ailments. Since the implementation of the CARES Act in 2020, you can buy OTC medicines with your FSA without needing a doctor’s prescription (this was a big hassle in the past).
On FSA Store, you’ll find pain relievers (Advil, Tylenol, etc.), cold and flu medicines (NyQuil, Sudafed, cough syrups), digestive aids (like Tums, Pepto-Bismol, laxatives), sleep aids, and smoking cessation products.
First Aid
If you have kids (or you’re just an accident-prone adult—no judgment), you need a solid first-aid stash, and FSA Store excels in this area. The store has everything from basic bandages and antiseptic wipes to comprehensive emergency kits. You can also buy supplies in bulk.
Cold & Allergy
Here, you’ll find antihistamines for allergy relief, cold medicines, nasal sprays, decongestants, and more. As noted above, OTC cold and allergy meds are now FSA-eligible without a prescription.
Baby & Mom
The Baby & Mom category includes items for infants, toddlers, and maternity care for mothers. This includes infant thermometers, baby first aid kits, nasal aspirators (for stuffy little noses), and baby sunscreen. They also carry children’s versions of medicines, like infant Tylenol and gripe water for tummy aches.
Travel
This might not strike you as a category of goods that would qualify for FSA eligibility, but there are actually plenty of travel essentials available on FSA Store. These include:
- Travel-sized first-aid kits.
- Motion sickness wristbands.
- Earplugs and ear pressure relief aids for planes.
- Therapeutic travel pillows.
- Face masks.
Foot Care
The foot care selection on FSA Store addresses everything from daily comfort to specific foot conditions. Many people don’t realize that orthopedic footwear and inserts can be FSA-eligible if they are for a medical purpose. On FSA Store, you’ll find arch support insoles, heel cups, bunion correctors, and more.
Feminine Care
Feminine care products, notably menstrual care items, are now FSA-eligible (another CARES Act change). FSA Store’s feminine care section includes tampons, pads, menstrual cups, and period panties.
I think it’s fantastic that FSAstore highlights this category because many people still aren’t aware these items qualify now.
Pain Relief
This category overlaps with medicines but also features a lot of non-medicinal pain relief products, including TENS units, electrotherapy devices, heating pads, cold therapy packs, and therapeutic massagers.
Braces and support products also fall under pain relief: think knee braces, wrist supports, and posture correctors.
Glasses & Eye Care
If you’re looking for a new set of designer glasses, it’s worth checking out FSA Store’s line of eyewear. The store carries a number of solid brands (Swarovski, Jimmy Choo, and Ray-Ban, to name a few), and, as always, there are significant discounts on offer relative to retail prices. All you need to do is provide your prescription details, pick out stylish frames, and pay with your FSA card.
You can also stock up on contact lenses, contact lens solution, rewetting drops, and cases.
What’s the Verdict?
We all need to look after ourselves, and you may as well try to do so as affordably as you can without skimping on quality. FSA Store will help you to do just that. Plus, it takes the pain out of figuring out what’s FSA-eligible and gives you a wide range of products to choose from. I’d even go so far as to say that it’s one of the easiest ways to spend your FSA funds.