Save 30% by using your HSA or FSA card

Your card is a payment option at checkout, next to credit card and the wallets.

Child in a cotton eczema sleepsuit with built-in scratch mitts, sitting on a bright floor
Pay with pre-tax dollars

How does paying with HSA or FSA save me 30%?

These accounts exist for one thing: paying with pre-tax money for what treats, eases or prevents a condition a provider has diagnosed.

Illustrative math, not tax advice and not a discount. Your savings depend on your own tax rates and your plan.

One hundred dollars of pay, followed two ways. Spending from your bank account: one hundred dollars you earn, then thirty dollars taken out in taxes, leaving seventy dollars to spend. Spending from your HSA or FSA: one hundred dollars you earn, no taxes taken out, leaving one hundred dollars to spend.

Try your own numbers

Federal, state and payroll tax combined, usually 20% to 35%.

Tax you never pay

 

on a order paid with pre-tax dollars at 30%

Illustrative only, not tax advice. Yearly contribution limits are in IRS Publication 969.

From the catalog
Pick one to shop

Tap an item to set the order total, or drag the slider.

What happens at checkout

A checkout payment list showing Credit card, Apple Pay, and Pay with FSA/HSA, with the FSA/HSA option selected.

Pick HSA/FSA in the payment list

It sits with credit card and the wallets, not off in a separate flow.

A real health-questionnaire screen shown during checkout, asking how long the shopper has had a qualifying condition.

Answer a few health questions

A licensed provider reviews your answers, not our products.

A payment screen with options to pay in full or split the payment across cards, card entry fields, and a Pay now button.

Pay, and your letter arrives by email

Use your HSA or FSA card, or split the order across two cards. Your letter of medical necessity arrives by email after you check out.

Skin care, clothing and bedding

Shop HSA eligible items

Baby & Adult Skin Soother:  Natural Eczema Ointment for Dry, Itchy SkinHSA eligibleBaby & Adult Skin Soother: Natural Eczema Ointment for Dry, Itchy SkinFrom $22.99ShopEmily Skin Soothers Natural Soap for Itchy, Dry Skin with Chinese HerbsHSA eligibleEmily Skin Soothers Natural Soap for Itchy, Dry Skin with Chinese Herbs$8.99ShopEmily Hot Skin Soother for Red, Itchy SkinHSA eligibleEmily Hot Skin Soother for Red, Itchy SkinFrom $22.99ShopGrass Fed Tallow Soap | The Healthy PorcupineHSA eligibleGrass Fed Tallow Soap | The Healthy Porcupine$12.99ShopGrass Fed Tallow Balm | The Healthy PorcupineHSA eligibleGrass Fed Tallow Balm | The Healthy Porcupine$25.99ShopBodyceuticals Calendula Facial CreamHSA eligibleBodyceuticals Calendula Facial Cream$34.99ShopEmily Super Dry Soother for Thick, Dry EczemaHSA eligibleEmily Super Dry Soother for Thick, Dry EczemaFrom $22.99ShopEmily Skin Soothers Liquid Soap Soother - Shampoo & Natural Body Wash for Eczema with Chinese HerbsHSA eligibleEmily Skin Soothers Liquid Soap Soother - Shampoo & Natural Body Wash for Eczema with Chinese Herbs$20.99ShopBodyceuticals Organic Calendula Lip BalmHSA eligibleBodyceuticals Organic Calendula Lip Balm$6.99ShopBodyceuticals Organic Calendula SalveHSA eligibleBodyceuticals Organic Calendula Salve$26.99Shop20% Pine Tar Soap with Tallow | The Healthy PorcupineHSA eligible20% Pine Tar Soap with Tallow | The Healthy Porcupine$12.99ShopBodyceuticals Organic Calendula OilHSA eligibleBodyceuticals Organic Calendula OilFrom $26.99ShopTallow Bar Soap with Zinc | The Healthy PorcupineHSA eligibleTallow Bar Soap with Zinc | The Healthy Porcupine$12.99ShopBodyceuticals Organic Aloe Vera for Eczema Skin Soothing SprayHSA eligibleBodyceuticals Organic Aloe Vera for Eczema Skin Soothing Spray$27.99ShopYoRo Naturals Nourish + Hydrate Cleansing BarHSA eligibleYoRo Naturals Nourish + Hydrate Cleansing Bar$10.99ShopEczemol OTC Topical Eczema Hydrogel Spray with Hypochlorous Acid (HOCl)HSA eligibleEczemol OTC Topical Eczema Hydrogel Spray with Hypochlorous Acid (HOCl)From $20.99ShopBodyceuticals Organic Calendula Face WashHSA eligibleBodyceuticals Organic Calendula Face Wash$34.99ShopChinese Herbal Eczema Routine | Emily Skin SoothersHSA eligibleChinese Herbal Eczema Routine | Emily Skin Soothers$49.99ShopSoothe My Skin Emu Oil Cream: The Ultimate Healing Solution for Your SkinHSA eligibleSoothe My Skin Emu Oil Cream: The Ultimate Healing Solution for Your Skin$35.00ShopPure Emu Oil – Nature’s Miracle for Healthy, Radiant SkinHSA eligiblePure Emu Oil – Nature’s Miracle for Healthy, Radiant Skin$31.00ShopOn the Go Skin Soother Stick – Natural Relief for Itchy, Irritated SkinHSA eligibleOn the Go Skin Soother Stick – Natural Relief for Itchy, Irritated Skin$17.00ShopEmu Oil Soap - Gentle and Natural Relief for Eczema-Prone SkinHSA eligibleEmu Oil Soap - Gentle and Natural Relief for Eczema-Prone Skin$16.00ShopBIA Eczema Relief Lotion with Colloidal OatmealHSA eligibleBIA Eczema Relief Lotion with Colloidal Oatmeal$34.00ShopYoRo Naturals Calm + Protect Zinc SoapHSA eligibleYoRo Naturals Calm + Protect Zinc Soap$10.99ShopTSW Relief Routine: 2 Steps | Emu JoyHSA eligibleTSW Relief Routine: 2 Steps | Emu Joy$42.30ShopBodyceuticals Facial Routine: 3 StepsHSA eligibleBodyceuticals Facial Routine: 3 Steps$70.00ShopBIA Olive Oil & Shea Butter Soap for Dry, Eczema-Prone SkinHSA eligibleBIA Olive Oil & Shea Butter Soap for Dry, Eczema-Prone Skin$12.00ShopBIA Facial Oil for Dry, Sensitive & Eczema-Prone SkinHSA eligibleBIA Facial Oil for Dry, Sensitive & Eczema-Prone Skin$40.00ShopBIA Kids Eczema Relief Routine | Complete 30-Day Skin Barrier System (Age 4-12)HSA eligibleBIA Kids Eczema Relief Routine | Complete 30-Day Skin Barrier System (Age 4-12)$91.00ShopEczema Sleeves for Adults, Kids, Toddlers, Babies - Zinc-Embedded TENCEL™ | RemedywearHSA eligibleEczema Sleeves for Adults, Kids, Toddlers, Babies - Zinc-Embedded TENCEL™ | Remedywear$29.99ShopAdult Eczema & Psoriasis Gloves - Hypoallergenic Zinc-Embedded TENCEL™ | RemedywearHSA eligibleAdult Eczema & Psoriasis Gloves - Hypoallergenic Zinc-Embedded TENCEL™ | Remedywear$44.99ShopADULT Fingerless Eczema Gloves | Remedywear™ (TENCEL + Zinc)HSA eligibleADULT Fingerless Eczema Gloves | Remedywear™ (TENCEL + Zinc)$34.99Shop100% Organic Cotton Socks for Adults (Midweight) | Cottonique  - 2 PackHSA eligible100% Organic Cotton Socks for Adults (Midweight) | Cottonique - 2 Pack$39.99ShopAdult Eczema Long Sleeve Shirt - Unisex | Remedywear™ (TENCEL + Zinc)HSA eligibleAdult Eczema Long Sleeve Shirt - Unisex | Remedywear™ (TENCEL + Zinc)$69.99Shop100% Organic Cotton Front Closure Bra | CottoniqueHSA eligible100% Organic Cotton Front Closure Bra | CottoniqueFrom $50.99ShopAdult Eczema Leggings - Hypoallergenic Zinc-Embedded TENCEL™ Pants | RemedywearHSA eligibleAdult Eczema Leggings - Hypoallergenic Zinc-Embedded TENCEL™ Pants | Remedywear$69.99ShopADULT Eczema Socks | Remedywear™ (TENCEL + Zinc)HSA eligibleADULT Eczema Socks | Remedywear™ (TENCEL + Zinc)$35.99ShopBoxer Briefs for Eczema and Jock Itch | Remedywear™ (TENCEL + Zinc)HSA eligibleBoxer Briefs for Eczema and Jock Itch | Remedywear™ (TENCEL + Zinc)$49.99ShopHypoallergenic Bra for Eczema - Light Support | Remedywear™ (TENCEL + Zinc)HSA eligibleHypoallergenic Bra for Eczema - Light Support | Remedywear™ (TENCEL + Zinc)$49.99Shop100% Organic Cotton Gloves for Adults - 2 Pack | Cotton ComfortHSA eligible100% Organic Cotton Gloves for Adults - 2 Pack | Cotton Comfort$45.99Shop100% Organic Cotton Booties for Adults - 2 Pack | CottoniqueHSA eligible100% Organic Cotton Booties for Adults - 2 Pack | Cottonique$39.99ShopScratchSleeves Cotton Adult with Anti Scratch MittsHSA eligibleScratchSleeves Cotton Adult with Anti Scratch Mitts$39.99Shop100% Silk & Organic Cotton Underwire Bra - Sunbleached | Julie MayHSA eligible100% Silk & Organic Cotton Underwire Bra - Sunbleached | Julie May$109.99Shop100% Organic Cotton Racerback SPORTS Bra for Eczema | CottoniqueHSA eligible100% Organic Cotton Racerback SPORTS Bra for Eczema | Cottonique$45.99Shop100% Organic Cotton Women's Drawstring Elastic Free Panties - High Waisted Cotton Brief Panties - 2 Pack | CottoniqueHSA eligible100% Organic Cotton Women's Drawstring Elastic Free Panties - High Waisted Cotton Brief Panties - 2 Pack | Cottonique$45.99ShopAdult 100% Organic Cotton Scratch Mittens with Fold Back Mitts | Cotton ComfortHSA eligibleAdult 100% Organic Cotton Scratch Mittens with Fold Back Mitts | Cotton Comfort$79.99ShopPlunge Style Latex-Free Bra in Organic Cotton and Silk - Debbie | Julie MayHSA eligiblePlunge Style Latex-Free Bra in Organic Cotton and Silk - Debbie | Julie May$109.99ShopPure Silk and Organic Cotton Brief - Champagne | Julie MayHSA eligiblePure Silk and Organic Cotton Brief - Champagne | Julie May$39.99Shop100% Cotton and Silk Brief Panty - Debbie | Julie MayHSA eligible100% Cotton and Silk Brief Panty - Debbie | Julie May$39.99ShopPure Silk and Organic Cotton Lingerie- Sunbleached Brief Panty | Julie MayHSA eligiblePure Silk and Organic Cotton Lingerie- Sunbleached Brief Panty | Julie May$39.99ShopAdult Eczema Mittens - 100% Organic Cotton Sleep Mittens | Cotton ComfortHSA eligibleAdult Eczema Mittens - 100% Organic Cotton Sleep Mittens | Cotton Comfort$85.99Shop100% Organic Cotton Women’s Pointelle French Cut Bikini Panty | Q for QuinnHSA eligible100% Organic Cotton Women’s Pointelle French Cut Bikini Panty | Q for Quinn$39.99Shop100% Organic Cotton Bikini Panty for Women | Q for QuinnHSA eligible100% Organic Cotton Bikini Panty for Women | Q for Quinn$25.00Shop100% Organic Cotton Women’s Pointelle Tank Top | Q for QuinnHSA eligible100% Organic Cotton Women’s Pointelle Tank Top | Q for Quinn$59.99Shop100% Organic Cotton Womens Classic Brief Panty | Q for QuinnHSA eligible100% Organic Cotton Womens Classic Brief Panty | Q for Quinn$26.00Shop100% Organic Cotton Womens Pointelle Boxer Underwear | Q for QuinnHSA eligible100% Organic Cotton Womens Pointelle Boxer Underwear | Q for Quinn$49.99Shop100% Organic Cotton Adult Pajamas Pant for Eczema | Cotton ComfortHSA eligible100% Organic Cotton Adult Pajamas Pant for Eczema | Cotton Comfort$69.99Shop100% Organic Cotton Pointelle Women's Thong Panty | Q for QuinnHSA eligible100% Organic Cotton Pointelle Women's Thong Panty | Q for Quinn$39.99ShopTENCEL™ Sheet SetHSA eligibleTENCEL™ Sheet SetFrom $42.00ShopOrganic Cotton Allergy Pillow Encasement for Dust Mites & Sensitive Skin | AllergyCare™HSA eligibleOrganic Cotton Allergy Pillow Encasement for Dust Mites & Sensitive Skin | AllergyCare™From $33.99ShopOrganic Cotton Mattress Encasement for Allergies, Dust Mites & Sensitive Skin | AllergyCare™HSA eligibleOrganic Cotton Mattress Encasement for Allergies, Dust Mites & Sensitive Skin | AllergyCare™From $139.99ShopOrganic Cotton Crib Fitted SheetHSA eligibleOrganic Cotton Crib Fitted Sheet$109.00ShopOrganic Cotton Fitted Mattress Protector | AllergyCare™HSA eligibleOrganic Cotton Fitted Mattress Protector | AllergyCare™From $95.99ShopTENCEL™ Sheet Set - For KidsHSA eligibleTENCEL™ Sheet Set - For Kids$112.00ShopOrganic Cotton Sheet SetHSA eligibleOrganic Cotton Sheet SetFrom $359.00ShopOrganic Cotton Fitted SheetHSA eligibleOrganic Cotton Fitted SheetFrom $139.00ShopOrganic Cotton Pillowcase - SingleHSA eligibleOrganic Cotton Pillowcase - SingleFrom $79.00ShopOrganic Cotton Duvet Cover SetHSA eligibleOrganic Cotton Duvet Cover SetFrom $399.00ShopScratchSleeves Cotton with Scratch Mittens for Kids (STRIPES)HSA eligibleScratchSleeves Cotton with Scratch Mittens for Kids (STRIPES)$26.99ShopKIDS Fingerless Gloves for Eczema | Remedywear™ (TENCEL + Zinc)HSA eligibleKIDS Fingerless Gloves for Eczema | Remedywear™ (TENCEL + Zinc)$34.99ShopKids Eczema Long Sleeve Shirt - Zinc-Embedded TENCEL™ | RemedywearHSA eligibleKids Eczema Long Sleeve Shirt - Zinc-Embedded TENCEL™ | Remedywear$59.99ShopEczema Gloves for Kids | Remedywear (TENCEL + Zinc)HSA eligibleEczema Gloves for Kids | Remedywear (TENCEL + Zinc)$42.99ShopKids Eczema Pants & Leggings - Zinc-Embedded TENCEL™ | RemedywearHSA eligibleKids Eczema Pants & Leggings - Zinc-Embedded TENCEL™ | Remedywear$59.99ShopEczema Socks for KIDS | Remedywear™ (TENCEL + Zinc)HSA eligibleEczema Socks for KIDS | Remedywear™ (TENCEL + Zinc)$35.99ShopEczema Pajamas for Toddlers & Babies in Cotton with Silk Mittens and Feet | ScratchSleevesHSA eligibleEczema Pajamas for Toddlers & Babies in Cotton with Silk Mittens and Feet | ScratchSleeves$59.99ShopCotton Comfort 100% Organic Cotton Eczema Sleepsuit for Kids with Scratch Mitts and FootiesHSA eligibleCotton Comfort 100% Organic Cotton Eczema Sleepsuit for Kids with Scratch Mitts and Footies$85.99Shop100% Organic Cotton Gloves for Kids - 2 Pack | Cotton ComfortHSA eligible100% Organic Cotton Gloves for Kids - 2 Pack | Cotton Comfort$42.99ShopCotton Comfort 100% Organic Cotton Footed Pants for KidsHSA eligibleCotton Comfort 100% Organic Cotton Footed Pants for Kids$75.99Shop100% Organic Cotton Scratch Mittens Top for Kids - Closed Mittens | Cotton ComfortHSA eligible100% Organic Cotton Scratch Mittens Top for Kids - Closed Mittens | Cotton ComfortFrom $52.99Shop100% Organic Cotton Eczema Mittens for Kids - Opening Mitten | Cotton ComfortHSA eligible100% Organic Cotton Eczema Mittens for Kids - Opening Mitten | Cotton Comfort$69.99Shop100% Organic Cotton Crew Socks for Adults (Lightweight) -2 Pack | CottoniqueHSA eligible100% Organic Cotton Crew Socks for Adults (Lightweight) -2 Pack | Cottonique$35.99ShopBIA Kids Skin Barrier Support & Eczema Gummies with L-histidine (Age 4-12Y)HSA eligibleBIA Kids Skin Barrier Support & Eczema Gummies with L-histidine (Age 4-12Y)$45.00ShopBIA Infant & Toddler Skin Barrier Supplement (Age 3M-3Y)HSA eligibleBIA Infant & Toddler Skin Barrier Supplement (Age 3M-3Y)$25.00ShopOrganic Cotton Top SheetHSA eligibleOrganic Cotton Top SheetFrom $129.00ShopOrganic Cotton Duvet CoverHSA eligibleOrganic Cotton Duvet CoverFrom $219.00Shop

Questions before you buy? Talk to us.

Before you worry about it

No new account

No new account to open and no balance to top up. Bring the card your employer gave you.

Your order is not held up

The questions do not hold up your order, so you pay and check out as normal.

A provider reviews you, not us

A licensed provider reviews your answers, not our products.

Normal cards still work

Credit card is still a payment option at checkout, alongside the wallets, and nothing about this page changes that.

Common questions

What are FSA and HSA accounts?

Both let you set aside money from your paycheck before taxes for eligible health expenses. An HSA is a health savings account and generally stays with you year after year. An FSA is a flexible spending account and usually has a yearly deadline. Not sure if you have one? Check with your employer or your benefits provider.

Can I use my HSA/FSA at The Eczema Company?

Yes. Pick HSA/FSA in the payment list at checkout, answer a few quick health questions, and pay with your HSA or FSA card the same way you would use any other card. If your order needs a letter of medical necessity, it comes to you by email after you check out.

Can I use my regular credit card instead?

Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.

What is a letter of medical necessity?

Under IRS rules, some things you buy count as a medical expense only when they treat a specific health condition, not when they are for general health. A letter of medical necessity is a licensed provider's written opinion that a product may treat a condition you have.

Here is how it works. You answer a few health questions at checkout. A licensed provider reviews your answers, not our products. The questions do not hold up your order, so you pay and check out as normal. Your letter arrives by email after you check out. Keep it, because your plan may ask to see it. Not everyone qualifies, and your plan makes the final decision on any claim.

Are there any fees?

You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.

When should I use my FSA/HSA dollars?

Any time of year. HSA money generally stays with you year after year. FSA money usually has a deadline, and many plans run use it or lose it at the end of the year, so check your plan's dates before December.

How long until I get my letter of medical necessity?

It arrives by email after you check out. If you do not see it, check your spam folder first, then reach out to us through our contact page and we will help.

I don't have an HSA/FSA. Can I still benefit?

You need one of those accounts to use pre-tax money. Many employers offer them during open enrollment, so it is worth asking. You can still check out normally with any card.

I don't live in the US. Can I still use this?

HSA and FSA are United States programs, so the pre-tax option only applies to US accounts. Everything on the site can still be bought the normal way.

Use the card you already have

Pick HSA or FSA at checkout. Nothing else about your order changes.

See what is eligible