Up through 2010, you could use your FSA money to purchase medications over-the-counter (OTC). The Affordable Care Act changed that rule, so that starting in 2011, you needed a doctor’s prescription in order to use your FSA for OTC drugs.
Thanks to the CARES Act, that’s no longer the case. So you can now use your FSA money for purchasing allergy medicine, the acetaminophen or ibuprofen you use to treat a headache or lower a fever, and more.
You can also use it for some supplements, but only if you have a letter of medical necessity from a doctor stating that the supplements are for the purposes of treating a medical condition (such as iron for anemia). FSA dollars can’t be used for vitamins or supplements intended for general health and wellness.
