Healthcare costs can add up quickly—especially for families with young children. Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) help make everyday health and skincare essentials more affordable by allowing you to use pre-tax dollars on eligible products.
If you’re wondering whether KawaKids® skincare and sunscreen products are FSA or HSA eligible, here’s what you need to know.
Are KawaKids Products FSA/HSA Eligible?
Yes—our current over-the-counter (OTC) KawaKids products are commonly eligible for FSA/HSA use under current IRS guidelines and typically do not require a medical letter.
Eligibility can vary by individual plan, but most families are able to use their FSA or HSA benefits right away.
For future non-OTC products, we’ll guide you through a simple medical-letter process when needed so you can continue using your benefits appropriately.
What’s the Difference Between an FSA and an HSA?
Both accounts allow you to use pre-tax dollars for qualified healthcare expenses, including eligible OTC products.
FSA (Flexible Spending Account)
- Employer-sponsored
- Typically “use it or lose it” within the plan year
- Best for predictable annual healthcare expenses
HSA (Health Savings Account)
- Available with a High Deductible Health Plan (HDHP)
- Funds roll over year to year
- Can be saved or invested long-term
KawaKids Products Commonly Eligible (No Medical Letter Required)
Because our current lineup includes over-the-counter (OTC) products, they are commonly eligible for FSA/HSA reimbursement without a medical letter, depending on your plan.
Eligible products typically include:
- KawaKids® KawaSun Sunscreen Stick SPF 50 (80-minute water resistance)
- KawaKids® KawaSun Sunscreen Lotion SPF 50 (80-minute water resistance)
- KawaKids® KawaCream Daily Skin Protectant Moisturizer, formulated to support sensitive, dry, or compromised skin
No prescription is required. Most customers simply check out using their FSA or HSA card and save their receipt. Or pay out of pocket initially, save the receipt, then submit for reimbursement through your FSA/HSA account.
Why OTC FSA/HSA Eligibility Matters for Families
OTC eligibility removes common barriers for parents:
- No doctor visit required
- No medical letter needed for most plans
- Immediate access to everyday skin-health essentials
This makes it easier to protect children’s skin while maximizing the value of FSA/HSA benefits already set aside.
What About Non-OTC Products?
Some health-support products are not classified as over-the-counter (OTC) and may require a Letter of Medical Necessity (LMN) for FSA/HSA reimbursement.
To help simplify the reimbursement process, we offer administrative support upon request.
What we provide:
- A medical-letter template for your healthcare provider
- General guidance on how the reimbursement process works
- Simple submission instructions
Medical letters are commonly used for conditions such as:
- Eczema or chronic dermatitis
- Skin-barrier dysfunction
- Dermatologist-recommended sun protection
Eligibility is typically determined by a diagnosed condition and provider verification.
Requesting a Medical Letter Template
To request a medical-letter template, please contact our team using the link below. Requests are reviewed by our support team to ensure appropriate use.
👉 Request a Medical Letter Template
Our team will respond with next steps if a medical letter may be appropriate for your situation.
Disclaimer:
Faith & Sage does not provide medical or tax advice and does not determine FSA/HSA eligibility. Eligibility is determined by individual plan administrators, and all medical decisions must be made by a licensed healthcare provider. This information is provided for educational purposes only.
How to Use Your FSA or HSA for KawaKids
- Add eligible KawaKids products to your cart
- Pay using your FSA/HSA card or submit for reimbursement
- Save your receipt for your records
Most OTC items only require proof of purchase if requested later by your plan administrator.
Final Takeaway
KawaKids products are designed to support real family skin-health needs—and we want them to be financially accessible too.
Our current OTC lineup is commonly FSA/HSA-eligible under IRS guidelines:
- KawaSun Sunscreen Stick SPF 50 (80-min water resistance)
- KawaSun Sunscreen Lotion SPF 50 (80-min water resistance)
- KawaCream Daily Moisturizer
For specific FSA/HSA coverage questions or confirming eligibility, we recommend reaching out to your individual plan administrator. This information is provided for educational purposes only and does not constitute tax or medical advice.