Overview

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are tax-advantaged financial tools that millions of consumers use to pay for qualified medical expenses. Amazon allows shoppers to register their FSA/HSA cards and use them like debit cards to purchase eligible products. For sellers offering health and wellness items, understanding how this eligibility system works is essential to maximizing visibility and sales potential.

Key Points / What Sellers Need to Know

• Eligibility is determined by SIGIS, not Amazon — The Special Interest Group for IIAS Standards (SIGIS) is the third-party organization that interprets IRS guidelines and maintains the list of qualifying products. Amazon references this list to determine which items receive the FSA/HSA badge.
• UPC matching is the backbone of the system — Amazon takes the Universal Product Codes provided by SIGIS and matches them against existing catalog listings. If your product's UPC data is incorrect or outdated, it may not be recognized even if it qualifies.
• The FSA/HSA badge is the source of truth — Amazon's badge on a product detail page is the official indicator of eligibility. Sellers should not add FSA/HSA language to their own listings.
• Changes affect all national retailers — Because SIGIS maintains a centralized list, adding or removing a product from FSA/HSA eligibility applies across every retailer that uses the SIGIS system, not just Amazon.
• Sellers cannot self-certify eligibility — There is no way for a seller to independently mark a product as FSA/HSA eligible. All requests must go through Amazon, which then coordinates with SIGIS.

How the Eligibility Process Works

The FSA/HSA eligibility process is governed by IRS guidelines, specifically Section 213(d) of the Internal Revenue Code, which defines qualified medical expenses. SIGIS interprets these guidelines and maintains a master list of eligible products identified by their UPCs. Amazon regularly cross-references this list with its product catalog, automatically applying the FSA/HSA badge to matching items. This means that eligibility is not something sellers can toggle on or off directly — it flows from the product's presence on the SIGIS list combined with accurate catalog data on Amazon.