Did you know that you might be able to use your Flexible Spending Account (FSA) or Health Savings Account (HSA) to purchase an air purifier? That's right! 

In this blog, we'll explore how you can take advantage of these tax-advantaged accounts to invest in cleaner, healthier indoor air for you and your family.

What is an HSA and FSA?

Healthcare spending in the U.S. has been (and continues to be) a big-ticket item. In fact, healthcare spending is projected to grow to $4.9 trillion in 2024. An FSA and HSA are two ways to help families lower their overall healthcare costs.

How do they work?

FSAs and HSAs are personal healthcare accounts that allow you to set aside pre-tax dollars for eligible medical expenses, like prescription medication or medical equipment and supplies.

But each of these accounts works a bit differently:

• FSA: With this account, you contribute a predetermined amount from your paycheck throughout the year, which can be used to cover qualifying healthcare costs during the plan year (these benefits do expire, so use them before you lose them).

• HSA: These work similarly, but to use one, you must be enrolled in a high-deductible health plan. These accounts offer more flexibility in terms of when and how you can use the funds, as well as investment and account growth options.

The primary benefit of both accounts is the ability to pay for eligible medical expenses with tax-free dollars.

Are Air Purifiers HSA Eligible?

Yes, you may be able to use the funds in your health savings accounts or flexible spending accounts for an air purifier as long as the device is deemed a medical necessity to aid with a certain condition, such as allergies, asthma, mold exposure, and more.

As it can get complex, ensure you have medical records confirming your condition and a note from your doctor about using an air purifier to alleviate symptoms.

Guidance for Using HSA or FSA for Air Purifiers

When it comes to using your FSA or HSA for an air purifier, the key is to ensure that the purchase meets the eligibility criteria set by the IRS.

Generally, air purifiers can be considered eligible expenses if they are primarily used to prevent illness or alleviate an existing medical condition. In other words, your condition would have to be made worse by poor air quality or improve with better air quality. All of this will need to be stated by your physician with a Letter of Medical Necessity (LMN).

For example, suppose your doctor or medical professional has recommended an air purifier due to respiratory issues like asthma or allergies. In that case, you may be able to use your FSA or HSA funds to purchase one. It's essential to consult with your healthcare provider and obtain the necessary documentation or prescription before proceeding with the purchase.

Record keeping is super important because if you're under 65 and use HSA funds for non-qualified expenses, you have to pay income tax on the item plus an additional 20% penalty.

How Can You Pay For An Air Purifier With Your HSA or FSA?

Depending on the company offering this account, you can either pay for the expense with a preloaded card or get reimbursed by uploading a receipt and any other necessary documents like medical records.

We've made the payment process much easier for qualified customers by partnering with Truemed, a platform that enables eligible shoppers to use their pre-tax HSA and FSA dollars toward qualified health expenses—including an air purifier.

With Truemed, your shopping experience is easier (and more cost-effective). In fact, when qualified shoppers purchase their favorite air purifier with pre-tax dollars, they can save up to 30% on average.

To pay with Truemed, all you have to do is:

• Add your favorite air purifier to your cart

• Check out as a guest

• Select "Truemed" as your payment option

And voila, you saved money on your air purifier by leveraging after-tax dollars.

It's important to remember that you'll need your LMN before purchasing your air purifier with HSA/FSA funds. Through Truemed, this process tends to take about 24-48 hours.

Medical Benefits of Air Oasis Air Purifiers

Air Oasis air purifiers utilize advanced, multi-stage filtration and purification technologies to deliver superior indoor air quality. At the core is a medical-grade True H13 HEPA filter that captures 99.97% of particles down to 0.3 microns, including dust, pollen, dander, and smoke.

An activated carbon filter absorbs volatile organic compounds (VOCs), chemicals, and odors while also combating mycotoxins from mold. 

Silver ion technology deploys a specialized antimicrobial coating that releases silver ions to disrupt pathogens like bacteria, viruses, and mold at the DNA level for 99% sterilization.

Germicidal UV-C light further enhances sterilization by using 265nm UV radiation to destroy microorganism DNA and achieve 99.9% killing of pathogens that may linger inside the purifier itself.

Finally, bi-polar ionization releases positive and negative ions that cluster airborne contaminants, causing them to be trapped in filters or fall out of the air. These ions also deactivate pathogens through cellular penetration.

This multi-pronged approach combining HEPA, carbon, antimicrobial, UV-C, and ionic filtration provides unmatched purification of particulates, VOCs, odors, and pathogens for pure, healthy indoor air quality.

How to Use Your HSA or FSA for an Air Purifier

Using your FSA or HSA to purchase an Air Oasis air purifier is straightforward. Here's how it works:

1. Consult with your healthcare provider to determine if an air purifier is a medically necessary expense for you or a qualified dependent.

2. Obtain the proper documentation (Letter of Medical Necessity) or prescription from your healthcare provider or request it through the Truemed platform.

3. When shopping for an Air Oasis air purifier, use your FSA or HSA debit card for the purchase. Alternatively, you can pay out-of-pocket and submit a claim for reimbursement through your FSA or HSA provider. Both options are super simple with our Truemed partnership.

4. Keep all receipts and documentation for tax purposes and in case you need to substantiate the eligibility of the expense.

Remember, don't skip a step! You don't want to be stuck with a higher tax bill and a penalty for using your HSA/FSA funds on an unqualified expense.

Shop Air Oasis with Your HSA or FSA Today

Cleaner indoor air is an investment in your health and well-being. Using your tax-advantaged flexible spending account or health savings account benefits can make this investment more affordable and convenient.

At Air Oasis, we're dedicated to providing you with the highest quality air purification solutions backed by advanced technology and unwavering customer support.

Don't let allergies, respiratory issues, or poor indoor air quality hinder your quality of life.

Clean, fresh air is essential for a healthy lifestyle. With Air Oasis and your FSA or HSA, you can breathe easier and enjoy the numerous benefits of cleaner indoor air. Take control of your health and well-being—invest in an Air Oasis air purifier today!