14 Costco Items Your HSA Will Actually Cover
Healthcare costs are a major budget item for most Americans, either through the money you put toward health insurance and/or the money spent on drugs, doctor office visits and other items. Health savings accounts (HSAs) help you reduce costs by letting you put money into a tax-free savings account to pay for qualified medical care and medicines. Employer-sponsored flexible spending accounts (FSAs) offer many of the same advantages.
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Many retailers offer HSA- or FSA-eligible medicines — including Costco, the nation’s largest warehouse club operator. Here are 14 Costco items you can pay for with your HSA account, listed alphabetically.
Aleve Naproxen Sodium Pain Reliever and Fever Reducer
Price: $23.49 (after $4.50 off)
Used for: This Aleve medication is a pain reliever and fever reducer.
Product details: Bottle contains 320 caplets that are 220 mg each.
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Children’s Motrin Berry-Flavored Fever Reducer and Pain Reliever
Price: $18.99
Used for: This children’s medication is a pain reliever and fever reducer.
Product details: Approved for ages 2 to 11. Package includes three 4-ounce bottles of dye-free Motrin.
Children’s Zyrtec Allergy Cetirizine HCl Grape Flavored Chewables
Price: Starting at $31.99 (after $8 off)
Used for: These Zyrtec chewables are for 24-hour relief of sneezing, runny nose, itchy or watery eyes and itchy throat or nose.
Product details: The 10mg dosage is approved for ages 6 and older. Package includes three boxes containing 24 dye-free chewable tablets each.
Desitin Maximum Strength Baby Diaper Rash Cream
Price: $22.99
Used for: This Desitin diaper rash cream protects chafed skin and helps seal out wetness with 40% zinc oxide.
Product details: Package includes three 4.8-ounce tubes.
Excedrin Migraine for Migraine Relief
Price: $20.49 (after $4.50 off)
Used for: Excedrin Migraine is used to treat migraine symptoms, such as pain, nausea and sensitivity to light and sound.
Product details: The bottle includes 300 migraine-relief caplets.
Flonase Sensimist Allergy Relief Nasal Spray
Price: $45.99 (after $11 off)
Used for: Flonase nasal spray provides 24-hour relief for severe allergy symptoms.
Product details: Approved for adults and children 12 and older. Includes three bottles that dispense 120 sprays each.
Lumify Redness Reliever Eye Drops
Price: $34.99
Used for: Lumify eye drops relieve redness in the eyes. Works in one minute and lasts up to eight hours.
Product details: Package includes two 7.5-milliliter bottles.
NeilMed Sinus Rinse Kit
Price: $22.99 (after $5 off)
Used for: The NeilMed sinus rinse kit is used to relieve nasal symptoms of colds, flu and allergies.
Product details: Package includes two squeeze bottles, one NasaMist saline spray and 250 premixed packets.
Neosporin + Max Strength Pain Relief Dual Action Topical Antibiotic Ointment
Price: $17.49 (after $3.50 off)
Used for: This Neosporin antibiotic ointment soothes average cuts, scrapes and burns.
Product details: Package includes a 1-ounce tube, plus two half-ounce tubes.
Nicorette Quit Smoking Aid
Price: $66.99
Used for: Nicorette gum is used to support those who are wanting to quit smoking.
Product details: Package includes two cartons of 100 pieces each (2 or 4 mg) in an ice-mint flavor.
Pepcid Complete Dual Action Acid Reducer and Antacid
Price: $33.99
Used for: Pepcid antacid tablets prevents and relieves heartburn.
Product details: Comes with 100 chewable berry-flavored tablets.
Systane Complete Preservative Free Lubricant Drops
Price: $32.99
Used for: Systane lubricant drops are used to relieve dry eyes through hydration.
Product details: Package includes three 10-ml bottles.
Thermacare Joint Therapy
Price: $27.99
Used for: Thermacare Joint Therapy helps with muscle pain.
Product details: Package includes 12 air-activated heat wraps that provide up to 16 hours of pain relief.
Tylenol PM Extra Strength Acetaminophen Pain Reliever and Sleep Aid
Price: $26.99
Used for: Tylenol PM Extra Strength is used to relieve pain, while a nighttime sleep aid helps you snooze.
Product details: Bottle contains 225 caplets of 500 mg of acetaminophen.
Editor’s note: Pricing is accurate as of April 24, 2026. Pricing and availability are subject to change.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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