The Best Places to Buy HSA-Eligible Products Online
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The pandemic has changed consumer behavior forever. People now more than ever are shopping for products online and this includes items that are HSA-eligible. There are now a fair number of places on the web where consumers can spend their HSA dollars. In this article we will spend some time introducing you to marketplaces that sell HSA-eligible products.
First, let’s talk about what you should look for in an online HSA marketplace. At the surface they may all appear to be similar, but upon closer inspection there are some subtle differences that can make the HSA shopping experience hassle-free. Look for the following attributes in an online HSA marketplace:
FSA/HSA cards are accepted at checkout
Easy access to old receipts online
Item on receipt is marked as FSA/HSA eligible
Items are clearly flagged as FSA/HSA eligible
A vast array of products are available for purchase
Amazon FSA/HSA Store
You probably already know that you can use Amazon to order groceries online and stream TV shows, but you may have overlooked its FSA/HSA Store where you can pay with your FSA/HSA cards at checkout.
What we like about the Amazon FSA/HSA Store:
FSA/HSA card can be added as a payment option, thus allowing for eligible items to be purchased with said card
You can find a list of past orders in Your Orders, if the IRS ever wants proof of a receipt
Product card clearly flags items as FSA/HSA eligible
Like the rest of Amazon, the FSA and HSA Store has a bevy of products available. Over 8,000 results!
Free shipping for Prime members
What we don’t like about the Amazon FSA/HSA Store:
Non Prime members must pay standard shipping rates
If you’re ordering a few things, including an HSA-eligible purchase, make sure you process separate orders. You’ll have the option during checkout to pay for your entire online cart with one credit card. That’s not ideal because your HSA card should only be used for HSA-eligible products.
HSA Store
The HSA Store is a relatively new online marketplace stocked exclusively with HSA-eligible items. The HSA Store is an offshoot of the very popular FSA store.
What we like about the HSA Store:
All major credit cards and all HSA debit cards are accepted
On the Member Website you will have secure, 24/7 access to your transaction history
4,000 + HSA eligible products
Products purchased at the HSA store are guaranteed to be HSA eligible
The HSA stores eligibility list is second to none. Definitely one of the most comprehensive list of items and services eligible for tax-free spending and it’s conveniently organized from A to Z.
Rewards program allows you to earn points for every dollar spent which can be redeemed at checkout.
Learning center with tons of HSA specific educational articles
What we don’t like:
Free shipping for orders over $50
Target FSA/HSA Shop
In addition to being able to purchase items in store, you can now shop for FSA/HSA eligible items on the Target website.
What we like about the Target FSA/HSA Shop:
All major credit cards and all FSA/HSA debit cards are accepted
Target’s receipts clearly mark FSA/HSA eligible items with a “+“
2,340 HSA eligible items available
Free 2-day shipping with a Redcard membership
Curbside pickup is available - so you can order online and quickly get your items delivered to your car
Modern online store with informational product cards
What we don’t like about the Target FSA/HSA Shop:
Target doesn’t accept FSA/HSA cards at the moment
If you are not a Redcard holder, free shipping only applies to orders over $35
You have to click on a product card to see if the item is flagged as FSA/HSA eligible
Only offers FSA/HSA-eligible items that don’t need prescriptions in its shop for “ease of purchase”
Walmart FSA/HSA Shop
Walmart is a retail juggernaut with stores in all 50 states. The retailer makes tons of products accessible to the masses at low costs, including healthcare essentials. They’ve recently been making a push to up their online game. At this point they are playing catch up to Amazon, but they have the infrastructure and the deep pockets to be a serious online retailer. They also happen to have a FSA/HSA shop that some people may find convenient. Let’s take a closer look.
What we like about the Walmart FSA/HSA shop:
Walmart+ members get free shipping. No $35 order minimum
Walmart’s receipts clearly mark FSA/HSA eligible items with a “H“
1,000 plus HSA eligible items
Curbside pickup is available - so you can order online and quickly get your items delivered to your car
Product card clearly flags item as FSA/HSA eligible
Only items that don’t require a prescription from a doctor are included in Walmart's online catalog of FSA/HSA eligible products.
Has a bevy of products available
You can find a list of past orders in Your Orders
What we don’t like:
Free shipping on orders over $35. Free shipping to store.
Walmart.com currently does not accept FSA/HSA cards as a payment method. You can use a credit, debit, or gift card to pay for your order with FSA/HSA eligible items
Only offers HSA- and FSA-eligible items that don’t need prescriptions in its shop for “ease of purchase”
Walgreens FSA/HSA Shop
Founded in 1901 in Illinois, Walgreens is now America's second-largest retail pharmacy chain, with over 9,000 locations. Walgreens also has an online marketplace where FSA/HSA eligible items can be purchased.
What we like about the Walgreens FSA/HSA Store:
Pay with FSA/HSA card at checkout
Receipts clearly mark FSA/HSA eligible products
Product card clearly flags item as FSA/HSA eligible
There’s a useful filter that takes tou to HSA eligible items that are on sale (This week they had a promotion for 25% off regular price FSA-eligible item with code FSA25)
Free same-day delivery on orders over $35
Curbside pickup is available - so you can order online and quickly get your items delivered to your car
What we don’t like about the Walgreens FSA/HSA Store:
Free shipping on orders over $35. Free shipping to store
The website seems a little antiquated