If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those pre-tax dollars to pay for period care products, including LOLA tampons, pads, and liners.
What Is HSA/FSA Eligibility for Menstrual Products?
The CARES Act, signed into law in March 2020, permanently expanded the list of HSA/FSA-eligible expenses to include menstrual care products. This means period products like tampons, pads, panty liners, menstrual cups, and menstrual discs are now recognized as qualified medical expenses by the IRS.
Before 2020, these products were not eligible for HSA or FSA reimbursement. That changed because menstrual care is healthcare, and feminine hygiene products FSA and HSA approved today can be purchased tax-free using your health spending account.
What counts as a menstrual care product under IRS rules?
Any product "designed or intended to be used for menstrual care by an individual," which includes:
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Tampons
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Pads and maxi pads
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Panty liners
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Menstrual cups and discs
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Period underwear (rules vary by plan — confirm with your administrator)
Which Lola Products Are HSA/FSA Eligible?
LOLA's menstrual care products, including 100% organic cotton tampons, pads, and liners, qualify as HSA/FSA-eligible feminine hygiene products, so you can use your tax-advantaged benefits to cover the cost. Here's a breakdown:
Tampons
LOLA's 100% organic cotton tampons, available in light, regular, super, and super+ absorbencies, are fully HSA/FSA eligible. Whether you buy a one-time box or set up a subscription, both options qualify as FSA and HSA eligible period care expenses.
Pads
LOLA's pads, including overnight and postpartum options, are classified as menstrual care products under the CARES Act, making them HSA and FSA eligible feminine hygiene products you can purchase with your health spending account.
Panty Liners
LOLA's daily liners and ultra-thin liners are FSA and HSA eligible feminine hygiene products. Use them for menstrual spotting, light flow days, or discharge and you can purchase them with your FSA or HSA card.
Period Care Bundles
If you purchase a LOLA period care bundle that includes any combination of the above products, the entire bundle qualifies as an HSA/FSA eligible feminine hygiene purchase. Keep your receipt, as your HSA/FSA administrator may request itemized documentation to verify qualified expenses.
What About Lola's Wellness Products?
LOLA also makes sexual wellness and vaginal care products, including personal lubricants and vaginal health items made with clean, non-toxic ingredients. Eligibility for these depends on your plan administrator. Products used to treat a specific medical condition, such as vaginal dryness or pH imbalance, may qualify as HSA or FSA eligible expenses, but general wellness products typically do not. Check with your plan before purchasing.
How to Buy Lola Products With Your HSA/FSA Card
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Shop at mylola.com and add your preferred products to your cart.
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At checkout, enter your HSA or FSA debit card as your payment method. Most major HSA/FSA cards (Visa, Mastercard) are accepted like a standard debit card, making it easy to pay directly for feminine hygiene products and other FSA- and HSA-approved items in your cart.
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Save your receipt. Your account administrator may ask for proof of purchase. Lola's order confirmation email serves as your receipt.
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Check your balance first. You can use your HSA/FSA funds for a one-time purchase or apply them to a subscription order. Some FSA plans have a "use it or lose it" rule at year-end, so stocking up on LOLA period care products before December 31 is a practical way to use remaining funds.
Pro tip: If your HSA/FSA card isn't accepted at checkout, pay out of pocket and submit for reimbursement through your plan's portal. Keep the itemized receipt.
Why Use Your HSA/FSA on Organic Menstrual Products?
You're going to buy period products regardless. Using pre-tax dollars reduces your effective cost by 20–35%, depending on your tax bracket. But there's a stronger reason to choose Lola specifically with those funds: you're getting more for your money.
Conventional tampons and pads often contain synthetic fibers, fragrances, dyes, and chemical additives. LOLA's products are made with 100% organic cotton, with no synthetic materials, no fragrance, no chlorine bleaching, and no unknown ingredients. When you're spending healthcare dollars, spending them on a product with a transparent ingredient list is simply the better choice.
Your HSA or FSA exists to support your health, and organic period care products free from synthetic chemicals and potential irritants are a straightforward fit for those funds. LOLA's 100% organic cotton tampons, pads, and liners qualify as HSA and FSA eligible feminine hygiene products, so you can put your pre-tax dollars toward period care you can actually trust.
Can You Use HSA/FSA for Menstrual Cups or Period Cups?
Yes. Menstrual cups and period cups are explicitly included in the CARES Act definition of menstrual care products, so they are HSA/FSA eligible. If you're comparing options like cups, discs, organic tampons, and pads, all of them qualify under the same rules.
LOLA specializes in organic cotton disposable period products, including 100% organic cotton tampons and pads. When it comes to HSA/FSA eligible period care options, the category is broad: menstrual cups, discs, tampons, and pads all qualify as FSA and HSA approved feminine hygiene products under the CARES Act.
Frequently Asked Questions
Are subscriptions HSA/FSA eligible?
Yes. HSA and FSA funds can be used for a subscription, as long as the underlying products are HSA/FSA eligible. LOLA's tampon, pad, and liner subscriptions all qualify as feminine hygiene products covered under HSA and FSA plans.
Do I need a prescription or letter of medical necessity?
No. Menstrual products are FSA and HSA eligible without a doctor's note or prescription, thanks to the CARES Act of 2020.
Can I use FSA funds to stock up at year-end?
Yes, and it's a common strategy. Many FSA plans have a use-it-or-lose-it policy at December 31. Stocking up on a 3–6 month supply of LOLA's FSA-eligible period care products before year-end is a practical way to spend remaining FSA funds without losing them.
What if my HSA/FSA card is declined at checkout?
Contact your plan administrator, as some cards have merchant category restrictions that block certain purchases. You can also pay out of pocket and submit for reimbursement using your LOLA receipt.
Are Lola products listed on an official HSA/FSA eligibility database?
The IRS defines eligible categories rather than listing individual products by name. Any product that meets the definition of "menstrual care product" qualifies as an HSA/FSA eligible period care option, and LOLA tampons, pads, and liners meet that definition.
Does the HSA/FSA rule apply in all U.S. states?
The CARES Act is federal law, so HSA and FSA eligibility for period care products like tampons, pads, and menstrual cups applies nationwide. That said, individual plan rules can vary, so confirm with your employer's benefits administrator if you have any questions.
The Bottom Line
LOLA's tampons, pads, and panty liners are HSA/FSA eligible feminine hygiene products under the CARES Act. You can buy them with your HSA or FSA debit card at mylola.com, or pay out of pocket and submit for reimbursement. Using pre-tax healthcare dollars on organic, ingredient-transparent period care options is a financially smart way to spend HSA or FSA funds on what those accounts are designed to support: your health.
Last updated: 2026. For the most current IRS guidance on HSA/FSA-eligible expenses, visit irs.gov or consult your plan administrator.