The Right Way to Give Cash As a Wedding Gift

What is HSA?

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

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A post shared by Josephine Anderson (@fosterthevalley)

Josephine Anderson, who posted a video on her Instagram @fosterthevalley, outlined the costs of her uncomplicated vaginal birth, and TBH, it was shocking.

The financial breakdown of her experience (with Cigna for insurance):

• Routine office visits (including 2 ultrasounds): $1,266
• Labs: $3,440.81
• NIPT genetic testing: $15,319.36
• Anatomy scan: $1,270
• RhoGam: $360
• Hospital for mom: $23,722.10
• Hospital for baby: $7,402.80
• OBGYN for delivery: $5,000
• Epidural: $5,720
• Breastfeeding support: $2,589.78
• Pediatrician: $209

Josephine’s video warranted thousands of comments, most of which were appalled by the costs of her experience:

“This needs to be shared in SexEd classes,” one commenter wrote.

“The US medical system is BROKEN,” another said.

“And people are still confused why more women are choosing to remain child free… we literally can’t afford it,” another user commented.

Brit + Co spoke with Wendy Colson RN, IBCLC and CEO/Founder of BOOBIE Superfoods to gauge if Josephine’s costs were typical for the care she received. Colson has significant insight into how insurance works not only from an employer’s perspective, but from personal experience as a patient with breast cancer.

“The $4,788.98 net amount she mentions is realistic given that her deductible was $3,000. If she had chosen a plan with a $1,000 deductible – which is a common ceiling for good coverage – the same scenario would have cost her around $2,789,” Colson said. “The video highlights the importance of understanding what you're getting with an insurance plan, especially when you anticipate major life events like childbirth.”

Colson primarily attributes unanticipated costs for medical care (like in Josephine’s case) to patients that choose their insurance plans with, well, no real plan.

“Many [people] opt for the [plan] with the lowest paycheck deductions without fully evaluating the benefits,” Colson said.

There’s often a tradeoff between paying less per paycheck and receiving your desired benefits: for example, if you elect to contribute less money towards your insurance per paycheck, you may end up paying more out of pocket for things like doctor’s office visits and prescriptions.

“Making an informed choice is key to saving money in the long run,” Colson continued. “In short, it's crucial to consider both the immediate costs (like paycheck deductions) and the potential future costs (like deductibles and copays) when choosing an insurance plan.”

Another major cost Josephine mentions in her video was 12 weeks of unpaid maternity leave, which cost her a total of $18,000 (in lost income).

Per the passing of the Family and Medical Leave Act (FMLA) in 1993, moms have a legal right to up to 12 weeks of unpaid maternity leave. The U.S. Department of Labor notes that the act was designed to help employees balance their work and family responsibilities, accommodate the legitimate interests of employers, and promote equal employment opportunity for men and women.

It all sounds great until you realize the time off is indeed unpaid, which doesn't really aid in the amount of money parents end up owing after all is said and done in the pregnancy and childbirth processes.

Only 13 states plus the District of Columbia offer paid maternity leave. When you compare the United States’ laws to that of other industrialized nations, they don’t exactly measure up.

Colson says Sweden’s maternity leave policy is “one of the most generous,” offering 390 days of paid parental leave (shared between parents) and 80% of wages covered for a significant portion of the leave. In Germany, mothers are entitled to 14 weeks of maternity leave plus a tax-free, income-based allowance straight from their insurance provider.

Though it’s likely that US laws will never be that generous in terms of paid maternity leave, there are a few things you can do to make the blow of medical costs hurt a little less, says Colson.

“My advice is to be your own advocate,” she says. “If you’re planning to have a baby, start by understanding what your state provides in terms of paid leave to avoid surprises after delivery.”

To keep the cost of having your baby (if you’re planning to have one) transparent and free of surprises, Colson recommends:

• Asking your physician’s office for a detailed breakdown of insurance billing codes, including:
  • Office visits
  • Lab work
  • Epidural (and the anesthesiologist’s separate fee)
  • Hospital admissions
  • Specialist consultations during admission
  • Optional procedures like circumcision, if desired
• Email the insurance billing codes to your insurance provider, who can help calculate your out-of-pocket costs and deductible

“Having a baby is priceless,” Colson says. “By planning ahead – understanding your insurance options, healthcare costs, and available benefits – you can ensure peace of mind and focus on what truly matters: your growing family.”

Lush Sticky Dates Shower Gel

This shower gel from Lush is undeniably sweet-smelling. I think it smells like straight-up dessert – I had to fight off the intrusive thoughts to eat it when I was in the store checking it out (don't judge, okay?). It lathers up luxuriously, and always feels nourishing and hydrating on my skin. It's formulated with organic date syrup, sandalwood oil, and orange juice to properly cleanse off your bod. I already know I'm going to buy a bigger bottle once my sample size one runs out!

Promising review: "The scent of this body wash is sooo mouthwatering. I love the light lather and the soft scent left on the skin after rinsing off. Definitely worth the hype!"

Saltair Seascape Serum Body Wash

You won't be able to stop sniffing this heavenly body wash. It smells spot-on to a dreamy island getaway! I love this formula in particular because it's crafted with hyaluronic acid, which helps add even more moisture to the skin. Extra points to this body wash since the bottle's so cute!

Promising review: "Oh man. Boy do I love this scent. Reminds of the fresh smell of the sea when I visit the Carribbean Islands. Im just in a trance when I'm in the shower."

OUAI St. Barts Body Cleanser

If there's one thing OUAI absolutely nails, it's their scents. From their hair oil to shampoo, I fall in love with the products over and over again after every use. Their body wash is no exception, especially this one in the scent St. Barts. You get a little bit of every note: floral dragonfruit, orange blossom, and tuberose, plus a nice gourmand dose of and Baltic amber that feels oh-so sophisticated. The formula is made with jojoba oil, which expertly hydrates the skin, deep down. Dreamy!

Promising review: "I’ve been using the OUAI Body Cleanser for a few weeks now, and it has become a staple in my shower routine. The first thing that drew me in was the scent—it’s light, fresh, and lingers subtly on the skin without being overpowering. It makes showering feel like a mini-spa experience."

Nécessaire The Body Wash

For a fancy(ish) body wash that smells downright divine, reach for this one from Nécessaire. It's packed with eucalyptus, which is uber-refreshing for a nice wake up call in the AM! The body wash is boosted with plenty of lipid-rich oils and niacinamide, which can help strengthen the skin's natural barrier.

Promising review: "I have very sensitive skin but I also really like things that smell good! After reading reviews I decided to give this a try. My skin didn’t react to this at all (yay!!) and the smell is great! Super relaxing and perfect for after a long day. The bottle came well packed inside its own box - this was great because it didn’t leak or anything. The bottle is also really big so I think with cleaner ingredients & great smell it’s worth it!"

Olay Cleansing & Firming Body Wash

If you're in love with clean scents, this body wash from Olay delivers. Not only does it smell so fresh and so clean, it's heavy on skincare benefits. The formula includes collagen and a vitamin B3 complex that nourishes for "beautiful, healthy-looking skin."

Promising review: "My new go-to body wash! I so love the smell! I felt so luxurious and soft after each use!"

L'Occitane Cleansing & Softening Shea Shower Oil

Though it's not technically a body wash, this shower oil still lathers up gorgeously to cleanse your skin. Its main ingredients are shea oil and shea butter, which nourish the skin like no other, leaving it as soft as can be. Dry skin-havers will fall in love with this one!

Promising review: "Ten stars. One of my absolute favorite shower indulgences. This smells amazing. A warm, soft musk scent that lingers long after your shower is over. It leaves my skin feeling brand new, so soft and super smooth. I absolutely love going to bed with this scent on my pajamas and even waking up the next day to get dressed and still feeling so soft and smelling pretty. Not a strong scent whatsoever. A very soft, musk like skin scent."

Aesop A Rose by Any Other Name Body Cleanser

You've likely never smelled a body wash like this one before. It combines notes of rose petal, cardamom, and black pepper for a punchy, yet floral-heavy scent. The aroma can come off as super saturated upon first impression, so a little goes a long way.

Promising review: "I love the Aesop products because I have very dry skin and am allergic to perfume soaps. After many trials and errors with other products this was recommended and I love it ! Worth every penny. Wish it also came in travel size because the hotel soap bars don't measure up."

Dove Shea Butter & Vanilla Pampering Body Wash

Forget all the frills and fancy stuff – sometimes a basic vanilla scent works the best! This gentle body wash is friendly on all skin types and boasts the perfect balance of shea butter and warm vanilla for an uplifting shower experience each time. Your skin will look instantly cleaner, fresher, and more moisturized!

Promising review: "My favorite body wash!! It smells amazing and is so affordable. The scent really lingers."

Method Pure Peace Body Wash

If I had to compare this body wash to anything, it'd be Glossier's signature Glossier You perfume. It smells sooo good. The mix of floral peony and pungent pink salt just work together so well! The clean formula is gentle on the skin and always leaves it feeling noticeably soft and moisturized.

Promising review: "One of the standout aspects of this body wash is its formula. It’s paraben- and phthalate-free, which is reassuring for those with sensitive skin or anyone conscious about the ingredients in their skincare products. The wash lathers well, providing a luxurious feel while gently cleansing without stripping the skin of its natural moisture. My skin felt clean and hydrated after use, which is a big plus."