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A lot of what women spend on their health can be paid for with an HSA or FSA.
Other products may be HSA/FSA eligible for qualified customers with a Letter of Medical Necessity.
Here's how to tell which is which, plus a few picks worth knowing about.
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Shop Women's Health
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What Counts On Its Own
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The IRS asks one question about a health purchase. Is its main purpose medical? If it is, the item is typically covered with no extra paperwork.
For women's health, that list is longer than most people expect. It typically includes period products like tampons, pads, cups and period underwear, which the 2020 CARES Act added. It can also include pregnancy tests, ovulation kits, fertility monitors, breast pumps, breastfeeding supplies, postpartum recovery items and prescribed hormone therapy. Your plan administrator has the final say.
If you have an FSA, these are easy ways to use up a balance before your plan's deadline. The 2026 FSA limit is $3,400, and most FSAs are use it or lose it. If your plan allows a carryover, you can roll over up to $680.
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Where A Letter of Medical Necessity Comes In
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Then there are products with both a health use and an everyday use, like supplements, recovery gear, hormone tracking tech, and fitness programs. For these, the IRS needs to see that you're buying them for a medical reason.
A Letter of Medical Necessity is how you show that. You fill out a health survey, an independent licensed practitioner reviews it, and if you qualify, you get a letter that connects the purchase to your health needs.
That's why two women can buy the same bottle of supplements and only one of them pays with pre-tax dollars. What matters is why you're buying it, not what it is.
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What's in Vida Delrahim's health stack?
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We caught up with Vida Delrahim, cofounder of the prenatal brand
WeNatal. She's a mom of young kids, so her routine runs on small habits she can repeat every day.
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Shop WeNatal
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Morning
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She starts with hot lemon water and electrolytes, then spends a few minutes outside in natural light within half an hour of waking up. Breakfast is high in protein, with WeNatal for Her and Omega DHA+. Coffee comes after food, not before.
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Daytime
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Strength training most days, mixed in with spin or yoga. Lunch is high in fiber, she takes a 10 minute walk after it, and she stops caffeine around 2pm.
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Evening
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Dinner is early, around 5:30, with her kids. After that, the screens go away and the lights go down. She takes WeNatal magnesium, writes a few lines in a gratitude journal, and turns the lights out around 9:30 in a cool, dark room.
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Parting Advice?
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"The magic is in the habits you repeat, not the efforts you occasionally attempt."
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Vida Delrahim
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Cofounder of
WeNatal
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WeNatal supplements may be HSA/FSA eligible for qualified customers.
Disclosure: Vida is a cofounder of WeNatal, so her stack naturally features WeNatal products.
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WHOOP: Coaching That Follows Your Cycle
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WHOOP tracks your cycle and adapts your daily coaching to each phase. It stays with you through pregnancy and postpartum, too.
Shop WHOOP →
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WeNatal: The Prenatal Made For Both Partners
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WeNatal for Her has 24 essential nutrients for preconception, pregnancy and breastfeeding. There's a WeNatal for Him, too.
Shop WeNatal →
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Bonafide Thermella: For Hot Flashes And Night Sweats
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A daily supplement from a brand that focuses on menopause. It's naturally derived, made without hormones, and trusted by women.
Shop Bonafide →
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Evvy: An At-Home Vaginal Health Test
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One swab maps more than 700 bacteria and fungi in your vaginal microbiome, and your results come with one-on-one coaching.
Shop Evvy →
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Clair 1.0: Hormone Trends, Worn Like Jewelry
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A wearable built to show your hormone trends, designed with fertility planning and perimenopause in mind. Founding Members ship December 2026.
Reserve Clair →
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Arc by Nova Arc: An At-Home Ovarian Health Test
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Two tests a year, six months apart, collected at home or at a lab. Each one comes with a report to share with your clinician. Preorders ship December 2026.
Reserve Arc →
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BLOG OF THE WEEK
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HSA/FSA-Eligible Women's Health Products: The 2026 Guide
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What's covered without paperwork, what a Letter of Medical Necessity may add, and the mistakes that get women's health claims denied.
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*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures
The content of Truemed emails are intended for informational and educational purposes only, and should not be considered medical advice. It is not a substitute for professional medical care, diagnosis, or treatment.
We curate featured partners that share our commitment to true medicine. When you buy through Truemed links, we may earn a commission.
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