8 Best HSA & FSA Eligible Products That Are Actually Worth Buying (And Good For Your Allergy Health)
It's 2026. If you reached the end of 2025 with unused HSA or FSA funds, you're not alone.
Depending on your health insurance plan, you may have an HSA (Health Savings Account) or FSA (Flexible Spending Account) where you can collect pre-tax dollars tax-free to use on medical-related expenses over the course of the year. Many are surprised to learn about the diversity of items you can use these funds for (everything from mattresses to special sprays!).
When it comes to items that can improve your health, the problem isn't lack of options — it's that most “eligible” products are either outdated, completely not useful, or simply horrible value.
Our team has compiled the 8 BEST HSA/FSA-eligible health products that actually deliver measurable benefits and are worth buying after speaking with allergists. These products kept coming up again and again - they are recommended by clinicians and health researchers, and not influencers.
Eligibility may vary by plan. Always check with your healthcare provider.
1. True HEPA Air Purifiers (HSA/FSA Eligible)
HEPA air purifiers are commonly HSA/FSA eligible when used to treat allergies, asthma, or respiratory conditions. A medical-grade HEPA filter captures airborne allergens like pollen, dust mites, and pet dander — reducing daily exposure inside your home. Best used in bedrooms and living areas, especially if you wake up congested or experience nighttime symptoms.
Check out brands like Miko ($119+).
2. Pacagen products (HSA/FSA Eligible)
Most allergy products treat symptoms after they start. Pacagen tackles the allergens that cause allergies in the first place. Pacagen uses natural, bioengineered proteins that bind and neutralize pet allergens (like Fel d 1, the main cause of cat allergies) on contact — before they trigger an immune response.
Unlike air filters, Pacagen works directly on:
- Furniture and upholstery
- Bedding and pillows
- Carpets and clothing
- Where your cat frequents
Pacagen's Cat Allergen Neutralizing Spray and Cat Allergen-Reducing Supplement are HSA/FSA eligible and are trusted and recommended by allergists and veterinarians.
“Pacagen's technology is a game-changer for allergy sufferers - by targeting and reducing cat allergens, it represents a proactive approach to symptoms beyond taking medications.”
- Dr. Basil Kahwash, MD | Board Certified Allergist
3. Prescription & OTC Antihistamines (HSA/FSA Eligible)
FDA-approved antihistamines — including cetirizine, loratadine, and fexofenadine — are generally HSA/FSA eligible. These medications help block histamine release but do not reduce allergen exposure itself. They are best used as part of a layered strategy.
4. Saline Nasal Rinse Systems
Neti pots and pressurized saline rinse systems are HSA/FSA eligible and clinically supported. Regular rinsing helps remove allergens trapped in nasal passages, reducing congestion and post-nasal drip.
Check out brands like Nasal Fresh MD ($67+).
5. Allergy Mattress & Pillow Encasements
Allergen-proof encasements for mattresses and pillows are commonly eligible and significantly reduce nighttime exposure. Particularly useful for people whose symptoms worsen during sleep.
Check out brands like Saatva ($1879+).
6. Digital Thermometers & Smart Health Monitors
Basic diagnostic tools like thermometers, pulse oximeters, and blood pressure monitors are typically HSA/FSA eligible. These tools help you differentiate between allergy symptoms, infections, and other underlying conditions. For example, the Oura Ring 4 tracks over 50 health and wellness metrics, and gives you personalized insights into your sleep, activity, stress, metabolic, heart health, and women's health.
Check out brands like Oura Ring 4 ($349+).
7. Allergy Eye Drops
Antihistamine and lubricating eye drops are commonly HSA/FSA eligible and relieve itchy, inflamed eyes.
Antihistamine drops reduce the immune response that triggers redness and itching, while preservative-free lubricating drops help flush allergens from the eye surface and restore moisture.
8. Physician-Recommended Allergy Testing
Many diagnostic allergy tests are HSA/FSA eligible and can identify specific triggers — allowing for more targeted interventions.
Check out clinics like curex.
How to Use Your HSA/FSA Funds Strategically For Allergy Health
If you're looking to make the biggest impact in your allergy health this year, consider a multi-layered strategy. Remember:
Air filtration reduces what you inhale. Medications manage symptoms. But allergen neutralization is what gets rid of allergies in the first place.
If you've already tried filters and medications but still struggle, addressing allergens where they accumulate — on surfaces and fabrics — is often the missing step.