Home > bug spray

Can you pay for bug spray with an HSA?

Are you wondering if you can pay for bug spray with an HSA? You may also be wondering if this item is eligible or ineligible for use with your HSA funds, or if it qualifies for reimbursement.

No, unfortunately you can't use your HSA to pay for bug spray. In fact, if you do pay for bug spray with you HSA, you may be subject to a penalty.

More details about bug spray

Bug spray, also known as insect repellant, is substance applied to the skin or clothing that discourages insects from landing and ultimately biting or stinging.

Common synthetic repellents in bug sprays include DEET and picaridin.

Common natural repellents include citronella oil, lemon eucalyptus oil, neem oil, lemongrass, tea tree oil, and tobacco.

Synthetic repellents tend to work better than natural repellents, though there is some evidence that citronella oil and lemon eucalyptus oil are effective at repelling mosquitoes.


Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for bug spray with your HSA card before making any purchases.

A good rule of thumb is that if your doctor diagnosed you with a specific medical condition or ordered a treatment, product, or prescription specifically for you, your HSA should cover it. Sometimes your HSA will even cover items that it normally wouldn't if you have a letter of medical necessity signed by your doctor. Again, you should check with your HSA administrator before any purchase if you have any questions about an item being eligible or ineligible.