Save up to 40% on skin care: LovelySkin now accepts HSA and FSA payments

We have exciting news for LovelySkin customers: you can now use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to purchase dermatologist-approved skin care, sun protection and treatment products. Through our new partnership with Flex, we've made it easier than ever to save 30-40% on skin care at check out by applying pre-tax dollars you’ve already set aside.

Instead of navigating complex reimbursement processes on your own, Flex handles the paperwork for you, allowing you to focus on our large collection of HSA/FSA eligible products and check out seamlessly.

Whether you've been stockpiling HSA funds or are trying to use up your FSA balance before year-end, LovelySkin now offers a simple way to invest those dollars in your skin health—with the same dermatologist expertise and product quality you've come to expect from us.

What is HSA and FSA? How do they work with skin care?

A Health Savings Account (HSA) is a tax-free savings account available to people enrolled in a high-deductible health plan (HDHP). You contribute to an HSA with pre-tax dollars, and those funds can be used to pay for qualified medical expenses throughout the year. Unlike a Flexible Spending Account (FSA), HSA funds roll over from year to year, making it a valuable long-term tool for managing healthcare costs.

A Flexible Spending Account (FSA) works similarly but is typically offered through your employer. You set aside pre-tax income to cover eligible expenses, though most FSA plans require you to use your funds within the calendar year or lose them.

Both accounts offer the same major benefit: they allow you to spend money that hasn't been taxed yet. Depending on your tax bracket, this translates to savings of 30-40% on every eligible purchase. We already have thousands of them on LovelySkin at this time and are adding more each day.

Can you use HSA or FSA for skin care?

The short answer: it depends on the product and its intended use. The IRS determines HSA eligibility and qualified medical expenses based on whether a product is used to treat, prevent or manage a specific medical condition. This is where the term ‘skin care’ gets interesting.

Many skin care products qualify as FSA-eligible skin care or HSA-eligible purchases when they're used to address medical skin conditions like acne, rosacea, eczema, sun damage, melasma or hyperpigmentation. Products designed purely for cosmetic enhancement typically don't qualify, but therapeutic treatments that improve skin health often do.

What products can you buy with HSA or FSA funds?

Sunscreen and sun protection

Is sunscreen HSA eligible? Yes, as long as it is broad-spectrum protection with SPF 15 or higher. Sun protection is considered preventive care for skin cancer and treatment for conditions like melasma and photosensitivity. Mineral sunscreens, tinted SPF products, and even certain makeup products with sun protection (such as Colorescience FSA-eligible formulas) qualify when they meet medical standards.

Acne treatments

Acne is a medical skin condition, which makes most acne treatments an eligible expense. This includes prescription-strength cleansers, benzoyl peroxide treatments, salicylic acid products and retinoids specifically formulated to treat breakouts.

Anti-aging and corrective treatments

Retinoids, peptide serums, growth factors and chemical peels designed to treat sun damage, fine lines and skin texture issues often qualify with a Letter of Medical Necessity. These aren't just anti-aging products—they're corrective treatments for photo-damaged skin.

Moisturizers for medical conditions

Can I buy moisturizer with HSA? Yes, if it's formulated to treat a medical condition like eczema, severe dryness, compromised skin barriers or chronic sensitivity. Therapeutic moisturizers and barrier repair creams designed for these conditions are typically eligible for HSA funds.

Hair loss treatments

Clinically proven hair growth treatments and scalp therapies that address thinning hair, hair loss and medical scalp conditions qualify as eligible expenses.

Professional devices and tools

LED light therapy masks, microcurrent devices and other clinical-grade tools used to treat medical skin concerns may be purchased with HSA or FSA funds, often with a Letter of Medical Necessity.

The key difference: Skin care products at LovelySkin are specifically selected by dermatologists to treat medical skin conditions, making them more likely to qualify as eligible expenses under IRS guidelines.

Understanding Letters of Medical Necessity

Some products require a Letter of Medical Necessity (LMN)—documentation from a health care provider confirming you're purchasing the product to treat a specific medical condition. Your HSA or FSA administrator may require an LMN to approve reimbursement for certain purchases.

Through our partnership with Flex, you can obtain an LMN for $12 via an instant telehealth consultation during the checkout process. Each letter covers one product category (such as skin care or hair care) and remains valid for 12 months, so you can continue purchasing related products throughout the year without needing another consultation.

How to shop HSA/FSA eligible products at LovelySkin

Using your health care dollars at LovelySkin is straightforward:

Step 1: Look for the HSA/FSA eligible badge on product pages as you shop our dermatologist-curated collection.

Step 2: At checkout, select "Pay using HSA/FSA with Flex" as your payment method. If you don't see this option, choose "Check out as guest" to access all payment options.

Step 3: If your items require a Letter of Medical Necessity, you'll complete a brief telehealth consultation through Flex. Many products proceed directly to payment without this step.

Step 4: Enter your HSA or FSA debit card details to complete your purchase. If you don't have your card available, use a regular credit card and receive reimbursement documents via email within two hours.

Why use your HSA or FSA for skin care?

Treating skin conditions often requires consistent, long-term product use. Professional-strength retinoids, clinical sunscreens and targeted treatments aren't one-time purchases—they're ongoing investments in your skin health.

By using your HSA or FSA to pay for qualified medical expenses like dermatologist-approved skin care, you're maximizing the value of your health care dollars. That 30-40% savings adds up quickly, especially when you're building a complete treatment regimen.

Plus, you'll earn LovelySkin Reward Points on all purchases regardless of payment method, giving you even more value.

Start shopping with your health care dollars

Ready to transform your HSA funds or FSA dollars into healthier, clearer skin? Browse our complete collection of HSA/FSA eligible products, from sunscreens to prescription-strength acne treatments and therapeutic moisturizers. Every product has been selected by Drs. Joel and Daniel Schlessinger to ensure you're investing in clinically effective, research-backed formulas.

Have questions about HSA eligibility or the checkout process? Our customer service team is here to help, or you can contact Flex directly at support@withflex.com for payment-specific questions.

Your skin deserves the same attention as any other aspect of your health. Now you can treat it that way and save money while doing it.