You Can Now Use Your HSA/FSA Funds To Shop For Skincare At Dermstore

It’s happened to practically everyone: As the end of the year rolls around, you realize you still have plenty of funds in your HSA or FSA and not enough time to use it. But a new partnership with Dermstore and Flex can help you spend those bucks in a productive way: You can now use HSA/FSA funds to purchase eligible skincare and health products on Dermstore.

“At Dermstore, we are deeply committed to supporting our customers’ skin health journeys with access to professional-grade, expert-recommended products,” says James Bonner, President of US Retail at Dermstore. “Many of the products we carry are used to treat specific dermatological conditions or support post-procedure care, which are often eligible under HSA/FSA guidelines. However, the process to use those dollars is often long and confusing for consumers. By enabling HSA and FSA payments directly at checkout, we’re making it easier and more affordable for customers to invest in their skin health using pre-tax dollars they’ve already set aside for healthcare expenses.”

Though using HSA/FSA funds can sometimes be a lengthy process, Dermstore and Flex have collaborated to make it as simple and seamless as possible. “For the first time, shoppers can use their HSA or FSA at checkout on Dermstore just like they would use a credit card or PayPal—no receipts, no reimbursements, no waiting,” says Sam O’Keefe, CEO and Cofounder of Flex. “That ease and immediacy are what make this a gamechanger. It turns what used to be a frustrating, manual process into a seamless and automatic one.”

Flex works with merchants to help consumers use their healthcare dollars more effectively by enabling health and wellness brands to easily accept HSA/FSA payments, unlocking access to over $150 billion in annual tax-free health spending. “Flex’s proprietary technology analyzes a merchant’s catalogue to identify qualified medical expenses based on the IRS guidance in Section 213d of the tax code,” O’Keefe explains. “When a consumer checks out, we validate eligibility at the product level and enable HSA/FSA checkout for qualified purchases.”

To simplify the process, customers can build their carts at Dermstore by selecting products marked with the “HSA | FSA Eligible” badge, making it easy to identify items that qualify for purchase with HSA or FSA funds. At checkout, they simply select their HSA/FSA card as the payment method. “Flex’s technology then verifies eligibility in real time based on IRS guidelines,” Bonner says. “If necessary, customers also have the option to provide a Letter of Medical Necessity to support their purchase. After checkout is complete, Flex will email an itemized receipt, which we advise customers to keep in case your HSA/FSA provider requests them.”

The partnership is a true gamechanger. “Dermstore is proud to be among the first major beauty retailers to offer seamless HSA/FSA payment at checkout, especially as we’ve seen growing consumer demand for ways to use these funds beyond traditional healthcare,” Bonner says. “Many of our customers come to Dermstore for a trusted assortment of dermatologist-recommended products to manage skin conditions, care for post-procedure skin or support their overall skin health. Through this capability, we are not only making products more accessible and affordable but also helping to redefine skincare as an integral part of health and well-being, rather than simply for cosmetic benefits.”

HSA/FSA funds cover quite a few conditions, including acne, psoriasis, eczema, rosacea, sun damage, cold sores, hyperpigmentation, dry skin, burns, lesions, cuts, abrasions, ulcers and pressure ulcers. “Skincare is healthcare—plain and simple,” O’Keefe says. “Conditions like acne, eczema, rosacea and psoriasis can have a huge impact on physical comfort and mental well-being. By enabling HSA/FSA payments for medical-grade skincare, we’re helping consumers get access to the treatments they need without jumping through hoops or paying entirely out of pocket. HSA/FSA dollars are tax-free, which means shoppers can save roughly 30% by using them. That’s real money back in people’s pockets for products they’re already buying to support their health.”

A range of brands are included, spanning SkinCeuticals, EltaMD, PCA Skin, SkinMedica, iS Clinical, Medik8, Paula’s Choice, La Roche-Posay and Supergoop!, to name a few. Flex leads eligibility review directly for all brand and products via their in‑house eligibility review process that classifies IRS‑qualified medical expenses in real time, fully aligned with §213(d) guidelines.

“Over the past year we’ve introduced our Medical Advisory Board, headed up by Dr. Whitney Bowe, to better inform our assortment and consumer education approach, we’ve invested in hiring our own staff estheticians so our community can ‘text an expert’ for more accessible advice and we’ve launched our Dermstore Collective making it easier for skincare professionals to earn from the advice they give our community,” Bonner says. “The launch of HSA/FSA payments marks another powerful step forward in Dermstore’s commitment to supporting our customers’ skin health journeys through trusted, expert-backed solutions.”