Becoming a parent comes with a ton of expenses. Decking out a nursery, stocking up on diapers and wipes, and going to regular doctor appointments all cost money — and that’s before the kid is even born. Luckily, there’s a surprising amount of products that you can buy with your Flexible Spending Account (FSA) or Health Savings Account (HSA).
FSAs and HSAs, as you know if you have one, function as savings accounts where you can put aside pre-tax income to pay for medical expenses. HSA- and FSA-eligible items include everything from drugstore basics like thermometers and diaper cream to high-tech gadgets like baby heart rate monitors and hands-free breast pumps. Couples who are trying to conceive can use HSA or FSA money to buy eligible items like ovulation and pregnancy tests, and new parents can use it to buy postpartum care products like disposable underwear and pads.
You can technically buy HSA- and FSA-eligible products anywhere. It’s just a matter of making sure they qualify and then using the right kind of payment — usually a debit card linked to your FSA or HSA. Other times you pay for items up front and then submit a claim for reimbursement. Here are the FSA and HSA eligible baby items you’d likely buy anyway.
HSA- and FSA-Eligible Fertility Products
Couples trying to conceive can save trips to the drug store with this bulk pack of 50 ovulation tests and 20 pregnancy tests.
It takes two to tango. This home test tells you whether you have normal sperm count in just 10 minutes, empowering you to discuss next steps with your doctor.
These digital pregnancy tests don't leave any room for confusion. Instead of producing faint lines, they clearly read 'pregnant' or 'not pregnant.' They can detect pregnancy five days before a missed period, and feature a countdown showing you how close they are to being ready.
HSA- and FSA-Eligible Pregnancy Products
Belly bands redistribute the weight of a growing stomach, which can alleviate back and pelvic pain, relieve bladder pressure, and even help with posture. This one by Belly Bandit is specifically designed to work well after pregnancy, too, to help stabilize the pelvic area and guide joints back into their pre-pregnancy place.
HSA- and FSA-Eligible Baby Monitors
Owlet's smart sock tracks baby's heart rate and oxygen levels, sending alerts to a parent's phone if anything is off, while the wall-mounted monitor allows parents to watch their babies in HD video straight from their phone. The monitor has night vision, a 4x zoom, and wide-angle lens, and even allows for two-way audio, so parents can talk to their babies from a room away. Plus, it sends notifications if baby is moving or crying. This bundle comes with three socks, to grow with baby,
The Nanit swaddle has a special pattern across the chest that allows the camera to detect movement, monitoring baby's breath. It collects data on you baby's sleep, and provides personalized advice from pediatric sleep experts. It also allows to two-way audio and white noise.
Getting a squirming, sick baby to stay still while you stick a thermometer in their mouth is about as easy as it sounds. This no-contact thermometer allows you to get a reading while they sleep.
HSA- and FSA-Eligible Baby Products
The NoseFrida allows parents to clear their baby's stuffy nose by sucking out their snot with this tool. It sounds disgusting, but the device ensures the snot can't get anywhere near the parent's end of the tube.
This classic cream not only treats diaper rash but prevents it thanks to its main ingredient, zinc oxide, which protects the skin from moisture. It's made without dyes, parabens, or phthalates, so even babies with sensitive skin can tolerate it daily.
This diaper cream has a spray-on applicator, allowing you to douse your baby's bottom with relief with minimal mess.
These BPA-free bear-shaped pacifiers are specifically designed for babies 3 months old and up. They have a thicker, stiffer nipple that can take some wear and tear from biting.
Every parent needs one of these godsend bottle and pump-parts sterilizer. Just add water and pop in the microwave to sterilize up to four bottles at once.
This genius product allows you to measure and administer medicine through a pacifier. Babies suck on the pacifier for comfort and inadvertently take their medicine. Everyone wins.
For babies who are thermometer-averse, this pacifier version makes getting an accurate temperature easy.
HSA- and FSA-Eligible Breastfeeding Products
There is no easier way to pump than putting an Elvie in your bra and letting it do its thing. These wireless, hands-free, smart pumps are some of the quietest out there, and they connect to an app that monitors milk volume. It has two modes, stimulation and expression, which it switches to once let-down is detected, and it stops once the container is full.
Another favorite of pumping moms everywhere, the Medela pump isn't hands-free, but it is wireless, allowing pumping parents to walk around and not be chained to an outlet. This set includes bottles, a bottle stand, a carry bag, and a cooler bag, along with the pump basics like flanges, tubing, and battery pack.
The Haakaa is an unusual manual pump, in that it works by simple suction — there are no batteries, plugs or tubes — and is surprisingly effective at utilizing the body's natural let-down to collect milk on one breast as baby is nursing at the other.
For a simple, handheld pump without wires or chargers, the Medela Harmony pump can't be beat. It has two suction levels — one for getting the milk to flow and another for when let down begins — and a handle that's more comfortable than most.
These reusable pads go in the bra and keep pregnant and nursing moms dry and protected from leaks.
For moms whose nipples need a break, or babies who have trouble latching, these nipple shields can help breastfeeding go more smoothly and with less soreness.
Hard-working boobs can get some relief with these specially shaped hot and cold packs, which can help with engorgement, mastitis, and clogged sucks, and also promote let-down.
Every product on Fatherly is independently selected by our editors, writers, and experts. If you click a link on our site and buy something, we may earn an affiliate commission.