"How does that saying go? Sometimes the smallest things take up the most room in our hearts—I mean, our homes? Between burp clothes, bottles, and tiny socks, it can feel like babies need a lot of stuff! The good news is that if you have access to a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use those funds toward some of your baby gear needs. Since this money is set aside pre-tax, it helps save you a little cash, which is awesome because babies can take up a big portion of our bank accounts too.
The only catch is that you need to make sure you are using up your FSA money before the end of the year (or a grace period, depending on your plan) and are purchasing FSA/HSA qualified items. To help get you started, we’ve broken down some commonly-covered categories and products below. However, every plan is a little different, so make sure you check with yours before making a purchase. Most have a full list of qualifying items you can easily reference—just ask!
Baby Gear You Can Buy With Your HSA or FSA Account
Baby Monitors
If you’re looking for a baby monitor with all the bells and whistles, your HSA or FSA could help cover the cost.
This smart baby monitor offers insight into your baby’s sleep, breathing, and overall growth. It stores all milestones into a digital baby book, too.
This baby monitoring system includes a high-quality digital camera and a wearable sock that tracks baby’s sleep quality with data including heart rate, oxygen levels, wakings, and more.
Breastfeeding Supplies
Using your HSA or FSA to stock up on breastfeeding supplies is key, especially if you will be pumping at any point.
Medela is a top-rated and trusted name in breastfeeding supplies and many moms swear by their pumps. This set comes with everything you need to pump at home or at work.
Storing breast milk in bags makes it easy to freeze and thaw milk as your baby needs it. These bags have a double zipper to help prevent leaks.
Not all bottles qualify, but these ones do. They are designed to reduce nipple confusion and are easy to clean by hand or in the dishwasher.
These nursing pads are made of highly absorbent, plant-based materials for maximum leak protection.
Pain & Fever Care
No one wants to think about their little one getting sick, but you’ll be grateful to have supplies on hand when it happens.
This instant-read thermometer gives an accurate reading in one second—perfect for wiggly little ones.
Tylenol is pediatrician-recommended to treat fevers and teething pain. Try the dye-free version to avoid stains in case it spills or baby spits it back out.
Runny Nose & Cold Care
Babies aren’t exactly expert nose blowers, so give their runny noses extra care with these supplies.
Clearing a baby’s stuffy or runny nose can be difficult, but the NoseFrida makes it easy. Give it a try and see why so many parents rave about it.
These gentle wet wipes help clean little noses and dissolve snot quickly. They come in a resealable pack and are unscented for sensitive noses.
Specialty Skincare
Take care of baby’s sensitive skin with products designed just for their specific needs.
Care for irritated skin with this gentle baby ointment. Apply to skin to heal or prevent diaper rash and chapped lips from teething or drooling.
Almost all diaper rash creams qualify for HSA or FSA purchase, so stock up on your favorites. This one contains all-natural hypoallergenic and non-toxic ingredients.
Sunscreen
Most baby sunscreens should be eligible for HSA or FSA purchase. Discuss with your pediatrician the best age to start applying sunscreen.
This sunscreen is easy to apply without leaving a white cast on the skin and it’s reef-friendly. Plus, even though it’s labeled baby sunscreen, it can be used on the whole family.
Make applying sunscreen as easy as a swipe. These sticks are especially good for little faces and for keeping in your diaper bag.
