Leftover FSA or HSA money in your account is not a total bummer. Using pre-tax dollars on medical expenses is super smart. If you're in a "use it or lose it" situation with your flexible spending or health savings accounts, you can actually spend that money on certain Ulta HSA-eligible skincare products before the end of the year.
And guess what? I've got your Ulta shopping spree all lined up for you. The beauty store has a handful of FSA or HSA-eligible items available since sunscreen that's SPF 15 or higher is included. Also, some skincare is eligible — any sort of medicated treatment for acne or sensitive skin. This gets tricky because it's not all eligible, but I've done my best to sort them out for you. (PSA: Those expensive LED Light Masks are totally in-bounds.) Who'da thunk Ulta savings hacks could include your HSA?
Also, a quick tip: If you're scrambling hard to spend the leftover money in your flexible spending or health savings accounts, be sure to dial back your contributions for next year so you don't find yourself in the same boat.
For more smart shopping tips and how to use those Ulta coupons, text HACKS to 57299, and be sure to download the Krazy Coupon Lady app.
What is FSA and HSA?
Even if you have one or the other — FSA or HSA — you may not know exactly what you're signed on for. We're going to break them down simply.
FSA (Flexible Spending Account): If you're enrolled in an employer-based health plan, you can open an FSA to which you contribute money that can later be used to pay eligible out-of-pocket healthcare costs, like over-the-counter medications and more. This money comes straight from your paycheck pre-tax, saving you a bit of money.
HSA (Health Savings Account): Super similar to an FSA, you can set up an HSA even without an employer-based health plan. However you will have to be enrolled in some type of HSA-eligible health plan independently. You can find an HSA through a bank, credit union, or similar financial institution.
How can I use my FSA or HSA Money at Ulta?
It's super easy. Shop your items at Ulta and be sure to save your receipts. Then, just submit your receipts to your benefits provider for reimbursement.
While we're talking focused on Ulta here, know that you can also use your FSA or HSA money at:
Sephora
Target
FSA/HSA Eligible Ulta Sunscreen
Ulta carries top-rated sunscreen and anything over SPF 15 is covered. Ulta carries brands like COOLA, DIME, and BeautyStat. Get more bang for your FSA buck by scoring a double-duty product that offers skincare benefits along with SPF — like the COOLA Dew Good Illuminating Serum with SPF 30.
FSA/HSA Eligible Ulta Medicated Skincare
Shop acne care or sensitive skin care at Ulta, too. Ulta doesn't have a convenient FSA/HSA shopping page for us, so you may need to utilize the FSA Store to see what's eligible before you start filling your cart. Get free shipping on Ulta orders of $35 or choose in-store pickup for free. You can also get same-day delivery, but it'll cost you $6.95.
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