FSA & HSA Eligible Sunscreen – Why Potency No. 710’s Mineral Sunscreens Qualify
Not all sunscreens are created equal—and not all qualify for reimbursement through your FSA (Flexible Spending Account) or HSA (Health Savings Account). That’s why we’re proud to say that both Covered and Shaded, the signature SPF 40 mineral sunscreens from Potency No. 710, are officially FSA- and HSA-eligible.
But what exactly makes them eligible—and why should you care?
It Starts with FDA Classification
For a sunscreen to be eligible for FSA or HSA reimbursement, it must be classified by the FDA as an over-the-counter (OTC) drug product with a clear medical purpose—namely, preventing sunburn and reducing the risk of early skin aging or skin cancer caused by sun exposure.
Covered and Shaded meet those criteria, formulated with zinc oxide, a mineral-based active ingredient recognized by the FDA as safe and effective for broad-spectrum UVA/UVB protection. This is the cornerstone of what makes our formulas compliant and reimbursable.
100% Mineral Protection, 0% Nonsense
Unlike many conventional sunscreens that use chemical UV filters like oxybenzone or avobenzone, Covered and Shaded use non-nano zinc oxide. This not only ensures safer protection for sensitive skin types—including children and those with reactive skin—but also avoids potential hormone-disrupting chemicals.
That clean, conscious formulation plays a big part in both product safety and FSA/HSA eligibility.
What Makes Covered and Shaded Different
Covered SPF 40 is a sheer, non-tinted mineral sunscreen with a lightweight feel. Perfect for daily wear under makeup or on bare skin.
Shaded SPF 40 offers the same powerful protection with a subtle tint for a smoother, more even skin tone. It doubles as a light foundation alternative for no-makeup days.
Both are:
- Fragrance-free
- Silicone-free
- Vegan & cruelty-free
- Formulated with skin-nourishing botanicals like aloe vera, green tea, and vitamin E to support barrier repair and calm inflammation.
Why Use Your FSA/HSA?
If you have an FSA or HSA, using your pre-tax dollars on products you already love is a smart move. It saves you money, encourages you to prioritize preventive care, and helps you stock up on clean skincare essentials without second-guessing your spending.
So whether you’re beach-bound, commuting under the sun, or just looking for everyday protection, our sunscreens don’t just meet the mark—they set it.