Best FSA/HSA Sites to Buy Contact Lenses Online in 2025
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use them to buy contact lenses online. Contact lenses are an FSA- and HSA-eligible expense under IRS rules - meaning you can save money by purchasing them with pre-tax funds.
Below, we've listed the best online stores that accept FSA and HSA payments for contact lenses, followed by a guide to how it all works and what other vision-related purchases qualify.
Best Places to Use FSA/HSA for Contact Lenses Online
These are our top picks for the most trusted and best priced online retailers that accept FSA and HSA cards for contact lenses.
- Overall lowest prices, best choice
- Free shipping in the US & Canada
- Excellent customer reviews
- Easy to use with FSA & HSA
- Overall lowest prices, best choice
- Free shipping in the US & Canada
- Excellent customer reviews
- Easy to use with FSA & HSA
- Fully FSA and HSA eligible
- Large inventory of popular lenses
- Smooth online shopping experience
- Fully FSA and HSA eligible
- Large inventory of popular lenses
- Smooth online shopping experience
- Trusted by FSA and HSA users
- Quick order verification
- Offers regular sales and bundle discounts
- Trusted by FSA and HSA users
- Quick order verification
- Offers regular sales and bundle discounts
- Wide selection of eligible contact lenses
- Affordable pricing with FSA or HSA cards
- Fast, reliable delivery
- Wide selection of eligible contact lenses
- Affordable pricing with FSA or HSA cards
- Fast, reliable delivery
Tip: If you're not sure which store has the lowest price, check our contact lens price comparison tool. It automatically compares prices on your exact contact lenses from multiple retailers, so you can find the best deal instantly.
Can You Use FSA or HSA for Contact Lenses?
Yes, contact lenses are both FSA- and HSA-eligible. You can use either account to pay for prescription contact lenses, whether they're daily, bi-weekly, or monthly lenses. Specialty lenses like toric (for astigmatism) or multifocal (for presbyopia) lenses also qualify.
The IRS includes contact lenses under “qualified medical expenses,” along with eyeglasses, prescription sunglasses, and even contact lens solution. The only lenses not eligible are non-prescription cosmetic or colored lenses that don't correct vision.
What's the Difference Between FSA and HSA?
- FSA (Flexible Spending Account) - Offered through your employer. Funds typically expire at the end of the plan year, though some plans allow a short grace period or a small rollover.
- HSA (Health Savings Account) - Available for people with a high-deductible health plan (HDHP). Your funds roll over every year and can even earn interest or investment returns tax-free.
Both options can save you hundreds of dollars annually when used for eligible medical and vision expenses like contact lenses or eyeglasses.
How to Use FSA or HSA Funds Online
Using your FSA or HSA online is simple. Most major contact lens retailers accept FSA/HSA debit cards directly at checkout. Just enter your card details like any other payment method.
If the store doesn't accept FSA/HSA cards, you can still pay with a regular credit card and then submit your receipt to your FSA or HSA administrator for reimbursement. Keep your prescription and digital receipts for verification.
Many retailers clearly mark eligible products with “FSA/HSA eligible,” so you'll know exactly what qualifies before you buy.
Other Vision Purchases Covered by FSA/HSA
- Prescription eyeglasses and frames
- Prescription sunglasses
- Contact lens cleaning solutions and rewetting drops
- Eye exams and vision checkups
These purchases all qualify as vision-related medical expenses, meaning you can use your tax-free funds to take care of all your eyewear needs.
Buy Glasses Online with FSA or HSA
Your FSA or HSA funds can also be used to purchase prescription glasses and prescription sunglasses. Whether you need new everyday frames or backup glasses, you can pay using your FSA/HSA card or request reimbursement after purchase.
To find the most affordable and reliable options, check out our guide on the best places to buy prescription glasses online. It highlights trusted retailers that accept FSA/HSA and offer excellent deals on quality eyewear.
Why Use FSA/HSA Funds for Contact Lenses?
Using pre-tax FSA or HSA money for contact lenses can save you up to 30% or more compared to paying out of pocket. Because these funds are set aside before taxes, you're reducing your taxable income while paying for something essential.
If you wear contact lenses regularly, using your FSA or HSA helps offset recurring costs for lenses, solutions, and accessories throughout the year.
Don't Forget to Use Your FSA Before It Expires
If you have an FSA, make sure to spend your remaining balance before the end of the plan year, typically December 31st. Some plans allow a small rollover, but many do not. Contact lenses are a quick and easy way to use up your balance before it disappears.
HSA users don't face deadlines, but it's still smart to plan your spending and take advantage of your tax-free savings.
Final Thoughts on Using FSA and HSA for Contact Lenses
Buying contact lenses with your FSA or HSA is one of the smartest ways to save money on vision care. Just make sure you're purchasing prescription lenses from a verified retailer that accepts FSA/HSA cards and offers competitive pricing.
