Official 2026 Protocol

2026 HSA/FSA Eligible Expenses & Stealth Wealth Cheatsheet

🩺 100% Eligible Medical Devices

✅ Blood pressure monitors & pulse oximeters
✅ Diabetic testing supplies & continuous glucose monitors
✅ CPAP machines, filters, and sanitizers
✅ Heating pads, TENS unit muscle stimulators
✅ Thermometers & pulse oximeters

🧴 Eligible Over-the-Counter (OTC) Items

✅ Sunscreens (SPF 15+ broad spectrum)
✅ First aid trauma kits, bandages, antiseptic sprays
✅ Pain relievers (Advil, Tylenol, Aspirin)
✅ Allergy medications (Claritin, Zyrtec, Flonase)
✅ Menstrual care products (tampons, pads, cups)

👓 Vision & Dental Care

✅ Prescription eyeglasses, sunglasses, and frames
✅ Contact lenses, solution, and cleaning drops
✅ LASIK eye surgery & routine eye exams
✅ Dental cleanings, fillings, crowns, and braces
✅ Occlusal night guards for teeth grinding

💡 The "Stealth IRA" Strategy

💎 Rule 1: Pay medical bills today out-of-pocket with cash.
💎 Rule 2: Leave your HSA balance 100% invested in index funds (S&P 500).
💎 Rule 3: Save digital receipts (Google Drive / Dropbox).
💎 Rule 4: Reimburse yourself 20 years later 100% tax-free!