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Do you want to provide the best for your baby but save money at the same time? Everyone does. The good news is that you can do that by using FSA or HSA. With these accounts, you can buy nursing supplies using pre-tax money. Even better, it could be money that your employer has put into your account, making the items essentially free!
However, please note that not all nursing supplies are FSA-eligible items. There are a few exceptions. You must know about this so you can plan your budget better. That's what this article is for. Continue reading to learn more about FSA/HSA-eligible nursing supplies and which of those you can buy at Momcozy.
What Are HSAs and FSAs?
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are financial tools designed to help individuals save money for medical expenses by using pre-tax dollars. While they share similarities, they have distinct features and eligibility requirements.
Health Savings Accounts (HSAs)
An HSA is a savings account that allows you to set aside pre-tax money specifically for qualified medical expenses, such as doctor visits, prescriptions, and even certain over-the-counter items. HSAs are only available to individuals enrolled in a High Deductible Health Plan (HDHP).
One of the biggest advantages of an HSA is that the funds roll over from year to year, and any unused money remains in the account indefinitely. Additionally, the account can earn interest or be invested, and the earnings are tax-free as long as they’re used for medical expenses.
Flexible Spending Accounts (FSAs)
An FSA is another type of account that lets you use pre-tax dollars to pay for eligible medical expenses, including co-pays, deductibles, prescriptions, and more. FSAs are typically offered through employers, and you must decide how much money to contribute at the beginning of the year.
Unlike HSAs, most FSA funds have a “use-it-or-lose-it” rule, meaning you must spend the money within the plan year or risk losing it, although some plans offer a grace period or allow a small amount to roll over. FSAs don’t require you to have a specific type of health insurance plan.
How To Get an FSA or HSA Account
You can use both FSA and HSA to buy nursing equipment, like breast pumps and breast pads. Here are guides on how to open an account.
FSA
Here's how to open an FSA:
- Check Eligibility: Confirm that your employer offers an FSA as part of their benefits package.
- Enroll During Open Enrollment: Sign up for the FSA during your employer’s annual open enrollment period.
- Choose a Contribution Amount: Decide how much money you want to contribute for the year, within the IRS annual limit ($3,300).
- Submit Your Election: Fill out the required forms or complete the online enrollment process through your employer’s benefits portal.
- Set Up Payroll Deductions: Your chosen contribution amount will be divided across your paychecks and deducted automatically pre-tax.
NOTE: You can immediately access the full year’s contribution on your plan's first day, even though deductions will continue from each paycheck.
HSA
Here's how to open an HSA:
- Verify Eligibility: Confirm you are enrolled in a High Deductible Health Plan (HDHP) and have no conflicting coverage (e.g., Medicare or being listed as a dependent). Contact your insurer if you're uncertain.
- Choose an HSA Provider: Decide where to open your HSA. Options include banks, credit unions, insurance companies, or your employer’s benefits program if they offer one.
- Open the Account: Complete the required paperwork or online forms to set up your HSA with your chosen provider.
- Contribute Funds: Deposit money into your HSA, either through direct contributions, payroll deductions (if offered by your employer), or both. Make sure your contributions stay within the IRS annual limits.
How Much Can Be Contributed to My Hsa/Fsa Accounts?
As mentioned earlier, you can only contribute to FSAs and HSAs up to the annual limits set by the IRS. These limits are adjusted annually to account for inflation and changes in the economy. For the year 2025, the IRS has announced that the maximum contribution limit for an FSA will be $3,300.
If both you and your husband's employers offer FSAs, you can collectively contribute up to $6,600 between the two accounts. Effectively, that doubles your tax-saving potential for eligible expenses.
When it comes to HSAs, the contribution limits for 2025 will be $4,300 for individuals enrolled in self-only High Deductible Health Plans (HDHPs) and $8,550 for those with family HDHP coverage.
It’s important to regularly review the IRS updates to ensure you’re aware of any changes. It ensures you can maximize your contributions within the allowed limits.
How Long will I Have Access to My FSA/HSA Funds?
You can access your FSA funds for a few months at the end of the plan. On the other hand, you can access HSA funds as long as your account is open.
With FSA, there are grace periods, run-out periods, and run-out periods with carryover. The grace period is the time after the end of the plan year, typically December 31, when you can use your remaining FSA balance. Remember, FSA funds expire, and only a portion rolls over to the next year. The grace period lasts until March 15.
The run-out period is the extra time that lets you file claims for reimbursement. It lasts until March 31. Then, carryover is the amount, up to $640, that can be passed to the balance for the next year.
On the other hand, HSA has no expiration date. You can access your funds as long as your account is open.
Can You Use FSA/HSA Accounts to Buy Breastfeeding Supplies?
Yes, you can use your FSA/HSA funds to pay for your expenses related to breastfeeding. However, please note that not all breastfeeding supplies are eligible. Only the necessary products are covered. For example, nursing shirts and other apparel, as well as support pillows, are not eligible.
What Breastfeeding Products from Momcozy are FSA/HSA Eligible?
Here are the products from Momcozy that you can buy using your FSA and HSA funds.
Breast Pumps and Accessories
Breast pumps and their accessories are essential tools for nursing mothers, making breastfeeding more manageable and efficient. Momcozy's electric pumps help express milk conveniently and support you in maintaining your milk supply. Accessories like extra tubing, flanges, and power adapters ensure your pump functions smoothly, providing comfort and reliability throughout your breastfeeding journey.
Milk Storage Bottles or Bags
Milk storage bottles and bags are vital for safely storing expressed breast milk. These containers are pre-sterilized and easy to use, allowing you to freeze or refrigerate milk for later use. They offer a practical solution for working moms or anyone managing a busy schedule while ensuring your baby always has access to fresh, nutritious milk.
Silver Nipple Shields
Silver nipple shields are a natural, soothing solution for breastfeeding mothers dealing with sore or cracked nipples. These shields are made of 999 pure silver. They promote healing without the need for creams or medications, ensuring a safe breastfeeding experience for you and your baby. They are reusable, eco-friendly, and designed to provide relief while supporting continued breastfeeding.
Pumping Bras
Nursing bras provide essential support and convenience for breastfeeding mothers. While not all nursing bras are FSA/HSA eligible, those specifically designed to aid lactation, such as Momcozy hands-free pumping bras, qualify. These specialized bras make expressing milk more efficient and comfortable, allowing mothers to pump while multitasking.
Nipple Cream
Nipple cream provides soothing relief for nursing mothers experiencing dryness, cracking, or irritation. It helps heal and protect sensitive skin while maintaining moisture, making breastfeeding more comfortable. Do not worry. The nipple cream is made with baby-safe ingredients, so you can rest assured that it will not affect them negatively.
Breast Milk Cooler
A breast milk cooler is an insulated storage solution that keeps expressed milk fresh and safe while on the go. Compact and portable, it’s perfect for working moms, travel, or daycare. This product ensures breast milk stays at the ideal temperature until it's ready to be used.
Lactation Massager
A lactation massager is a handheld device designed to relieve clogged ducts, reduce engorgement, and improve milk flow. Its ergonomic shape and gentle vibrations make it a helpful tool for nursing mothers, promoting comfort and a smoother breastfeeding experience. Momcozy's lactation massager offers different modes with different vibration speeds, allowing you to find the setting most comfortable for you.
Not FSA/HSA Eligible Nursing Supplies
As mentioned earlier, not all nursing supplies are FSA/HSA eligible.
Support Pillows: While support pillows are incredibly helpful for positioning and comfort during breastfeeding or bottle feeding, they are not considered FSA/HSA eligible. These pillows are categorized as general comfort items rather than medical necessities, so they don’t qualify for reimbursement through these accounts.
Nursing Bras, Tops, and Other Apparel: Nursing bras, tops, and other breastfeeding-related clothing, unless explicitly designed to aid lactation (like hands-free pumping bras), are not eligible for FSA/HSA coverage. These items are viewed as regular apparel rather than medical supplies, even though they offer convenience and support for nursing mothers. Always check product descriptions to determine eligibility before purchasing.
How Do I Get a Breastfeeding or Maternity Product Using my FSA/HSA Account on Momcozy?
Buying Momcozy products using your FSA or HSA funds is a lot similar to paying for them using your card or bank account. It is super easy! Here's a quick guide on how to do it.
Step 1. Checkout
Add the Momcozy FSA-eligible and HSA-eligible nursing supplies that you want to buy to your cart. Once you have added all you want to buy using your FSA/HSA funds, click Checkout.
Step 2. Pay with FSA/HSA
Under the Payment section, select Flex | Pay with HSA/FSA. You will be redirected to a hosted Flex Checkout page.
Step 3. Fill Out the Form
Enter your email address, full name, and credit card information in the form. Then click Pay Now to complete your order. You will be redirected back to the Momcozy success order page.
FAQ About FSA/HSA Eligible Items on Momcozy
Here are some FAQs about spending FSA/HSA funds to buy nursing supplies.
Why Am I Not Seeing HSA or FSA Options Show Up at Checkout?
The FSA/HSA option only shows up when you are buying eligible items. That said, if you are not seeing the option, no item in your cart is eligible. Please check our list of eligible items and see if what you're trying to buy is there.
Why Was My HSA or FSA Card Rejected?
The most likely scenario is that you have provided incorrect information. Always double-check the details to ensure all information is accurate. The card number, expiration date, CVC, country, and ZIP must match perfectly with what's on the card.
Can I Still Use My HSA/FSA Funds If I Don’t Have an FSA/HSA Card?
Yes, you can. On the hosted Flex checkout page, you can enter your credit card information instead. Flex, the entity in charge of processing the payment, will email you an itemized receipt following your purchase. You can use that as a document for filing a reimbursement claim. Submit it to your FSA or HSA provider.
Who Is Flex, and What is Their Relationship with Momcozy?
Flex is a company that facilitates payment processes. One of the services they offer is allowing consumers to easily pay for goods using their FSA/HSA funds. Momcozy has partnered with Flex to bring that functionality to our store. With the Flex integration, you can now buy eligible nursing supplies using your FSA/HSA card or get receipts to be used for reimbursement claims if you used your credit card.
Can I Purchase FSA/HSA Eligible Products and Non-FSA/HSA Products from Momcozy at the Same Time?
No. Orders are processed as a whole. When your provider detects non-FSA/HSA-approved products in your purchase attempt, they will flag it and decline the transaction. Furthermore, there is no way to pay for some of the contents of your cart with your FSA/HSA card and the remaining with your credit card. Therefore, you need to process them separately.
Conclusion
To save money during your breastfeeding journey, you can use your FSA or HSA funds to pay for the expenses. However, you can only use them for HSA or FSA-eligible items. Luckily, most breastfeeding supplies are covered. You can use these accounts to buy breast pumps, warm and cold breast pads, lactation massagers, and more. Momcozy offers many of these products, and with the Flex integration, processing these transactions is quick and easy.
