Posted by Elena Perez
on June 30, 2026
We have a little news to share. It's not as exciting as a sunny day, but it's close.
Shade Patch is now FSA and HSA eligible.
Here's the short version: if you have a Flexible Spending Account or a Health Savings Account, you can now use those pre-tax dollars to buy Shade Patch. And this isn't some vitamin-adjacent stretch of a claim — it's a real, qualifying purchase, just like a first aid kit or a blood pressure monitor.
We know that this probably raises a few questions, so let's walk through it.
Is Sun Protection FSA/HSA Eligible?
Your FSA and HSA funds are pre-tax money set aside specifically for healthcare-related purchases. The IRS decides what qualifies, and sun protection products that meet certain medical-use criteria can make the list. Shade Patch does. That's not us saying so — it's recognized under the same eligibility system (SIGIS, if you want the technical term) that most FSA/HSA administrators use to verify what counts.
Who Should Use an FSA/HSA Eligible Sun Patch?
If you're someone who needs targeted, long-lasting sun protection on specific spots, this one's for you. Maybe you're recovering from a skin procedure, and your dermatologist told you to keep the area covered and protected. Maybe you have a mole, a scar, or a patch of skin you're keeping a close eye on and want serious UPF 50+ protection that won't rub off by lunchtime. Maybe you're simply someone who has been told, in no uncertain terms, to take sun exposure seriously, and you're tired of reapplying sunscreen every two hours on the one spot that actually matters.
Whatever brought you here, FSA/HSA eligibility means you can treat that protection as the medical-grade purchase it is, not a beauty extra you have to feel guilty about.
How do you actually use your FSA/HSA benefits?
Right now, the easiest way is simple: buy Shade Patch directly from our store like you normally would, save your receipt, and submit it to your FSA or HSA provider for reimbursement. Most providers let you do this in just a few minutes through their app or website: upload the receipt, note that it's for an eligible medical product, and the reimbursement gets processed from there.
We know "submit it yourself" isn't quite as seamless as swiping a card at checkout, and that's something we're actively working to change. As Shade Patch grows, we're building toward accepting FSA/HSA cards directly at checkout on our own site, so this becomes a one-click process instead of an extra step. Until then, we wanted you to know your purchase already qualifies and that a few minutes of paperwork can put real money back in your pocket.
We built Shade Patch because sunscreen alone wasn't cutting it for the spots that needed real, dependable coverage. Now FSA/HSA eligibility confirms what we knew all along, this isn't just sun care, it's healthcare