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! And here's something many moms don't realize upfront: one of the smartest ways to use those FSA or HSA dollars is to build a breast pump setup that works for all parts of your day — not just when you're sitting at home.
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.
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.
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.
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.
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.
Here's how to open an FSA:
NOTE: You can immediately access the full year’s contribution on your plan's first day, even though deductions will continue from each paycheck.
Here's how to open an HSA:
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 2026, 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 2026 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.
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.
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. The good news? Breast pumps — both wearable and traditional plug-in models — are covered, along with the accessories you need to use them. This means you can use your FSA or HSA money to put together a pumping setup that fits your life, whether you're at home, at work, or somewhere in between.
Please check the comprehensive, up-to-date list of all Momcozy currently FSA and HSA eligible items.
Here are the main products from Momcozy that you can buy using your FSA and HSA funds.
When you're looking at FSA eligible items for breastfeeding, breast pumps are by far the biggest-ticket purchase — and the one that will shape your pumping experience the most. Before you add one to your cart, it helps to understand that breast pumps generally fall into two main categories, and they're actually designed for different parts of your day.
Traditional Plug-In Electric Breast Pumps
These are the pumps with a separate motor, tubing, and collection bottles — the kind that plug into a wall outlet. They tend to offer stronger, more consistent suction, which is why many lactation consultants recommend them, especially in the early weeks when you're establishing your milk supply.
They work best when you have a dedicated spot to sit and pump. Think: your nursery, the couch, or a private pumping room at the office. Because they're plugged in, you're not going to move around much — but you're getting reliable, hospital-strength suction in return.
Wearable (Hands-Free) Breast Pumps
Wearable pumps sit entirely inside your bra — no cords, no tubing, no bottles hanging outside your clothes. They run on rechargeable batteries, so you can pump while making breakfast, answering emails, chasing a toddler, or commuting to work.
Modern wearable pumps have come a long way in suction strength, and many moms use them as their go-to pump during busy daytime hours. The key trade-off is convenience over raw power — but for many moms, that's a trade worth making on days when sitting still simply isn't an option.
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.
Here's what lactation consultants and experienced moms will tell you: these two types of pumps aren't competitors — they're teammates. Each one handles a different part of your routine, and together they give you way more flexibility than either one alone.
Think about your typical day. You might use a traditional plug-in pump first thing in the morning, when your milk supply is at its peak and you want a thorough, efficient session. Then later, you might pop in a wearable pump while you're making dinner or wrapping up a work call — hands-free and hassle-free.
Here's how the two types work together in real life:
Since both types of pumps are FSA and HSA eligible, using your pre-tax funds to build a two-pump setup is a practical way to cover all your pumping needs without stretching your budget. You don't have to choose one or the other — you can have both, and many moms say that's exactly what made their breastfeeding journey feel manageable.
According to the IRS Publication 502, breast pumps and supplies that assist lactation are considered qualified medical expenses, which means both traditional and wearable models fall under FSA/HSA coverage when they're used for breastfeeding support.
Finding the right body support is vital when you're managing a complete list of the fsa/hsa-eligible items for breastfeeding on momcozy; many moms swear by a maternity pillow for that extra relief.
📋 Want to explore your options? If you're figuring out which pump setup makes sense for your routine, check out FSA Store's complete breast pump eligibility list to see what's covered, or read Pumping Milk's comprehensive wearable pump guide for an honest breakdown of what wearable pumps can (and can't) do. For a broader look at FSA-eligible baby and postpartum essentials, What to Expect has a helpful roundup worth browsing, and GoodRx's guide to using FSA funds for breast pumps walks through the reimbursement process step by step.
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 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.
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 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.
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.
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.
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.
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.
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.
Under the Payment section, select Flex | Pay with HSA/FSA. You will be redirected to a hosted Flex Checkout page.
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.
Yes — and this is actually one of the smartest ways to use your FSA or HSA funds during your breastfeeding journey. Since both traditional plug-in electric pumps and wearable breast pumps are considered qualified medical expenses under IRS guidelines, your FSA or HSA will cover each type separately. Many moms use their pre-tax dollars to purchase a traditional electric pump as their primary at-home pump, then add a wearable pump for days when they need hands-free flexibility.
As long as each item is FSA/HSA eligible and used for breastfeeding support, there's no rule against having both. Just remember: always review your specific plan's coverage details, check your remaining balance before placing an order, and keep your receipts for reimbursement claims. Different plan administrators may have slightly different requirements, so when in doubt, a quick call to your provider can save you time.
Here are some FAQs about spending FSA/HSA funds to buy nursing supplies.
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.
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.
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.
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.
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.
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.
One more tip before you shop: think about your entire day — from your morning routine to your commute to those unpredictable moments when you're out and about. A pumping setup that includes both a traditional plug-in pump for home sessions and a wearable pump for life on the go gives you the flexibility to pump whenever and wherever you need to, without missing a beat. Both are eligible for FSA and HSA reimbursement, so you're not choosing between comfort and convenience — you're giving yourself both.
For more information on breast pump eligibility and FSA/HSA rules, you can also check the CDC's breastfeeding resources and the La Leche League's pump information page for evidence-based guidance on breastfeeding and pumping.
Disclaimer: The information provided in this article is for general informational purposes only and does not constitute medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider regarding any medical condition. Momcozy is not responsible for any consequences arising from the use of this content. FSA/HSA eligibility rules may vary by plan administrator. Always verify eligibility with your specific plan provider before making a purchase.
Les informations fournies dans cet article sont uniquement destinées à des fins d'information générale et ne constituent en aucun cas un avis médical, un diagnostic ou un traitement. Consultez toujours votre médecin ou un autre professionnel de santé qualifié pour toute question relative à votre état de santé. Momcozy décline toute responsabilité quant aux conséquences pouvant découler de l'utilisation de ce contenu.
