People who contribute to Health Savings Accounts should be able to access that money to purchase the medication they need — including over-the-counter drugs. Requiring a prescription to purchase over-the-counter drugs with an HSA is burdensome and unfair.
Patients with HSAs should only be able to avoid taxes when purchasing medically necessary drugs. If someone needs an over-the-counter drug, he or she can get a prescription. If the drug is not necessary, it shouldn’t warrant a tax discount.