We Tried 10 Different Oat Milks – Here’s How We Ranked Them

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.

What's the difference between cold and allergy symptoms?

Having seasonal allergies can be confusing when they coincide with cold season. Between kids being back in school and the weather changing, the fall/winter seasons seem to bring on sneezing, coughing, and more. But, how can you tell when you're merely dealing with allergies or something else?

"Colds are viral infections. Symptoms include a sore throat, cough and feeling tired," says Dr. Purdy. Dr. Stanford further explains that viral infections have "traditionally been Rhinovirus species, but it may also be Adenovirus species and others." Colds can also be accompanied by a fever in some cases.

On the other hand, Dr. Purdy and Dr. Stanford both agree allergies are specifically caused by allergens or irritants. "Common Symptoms include sneezing and itchy eyes," says Dr. Purdy. According to the CDC, around one quarter of adults deal with seasonal allergies (raises both hands), so it's not weird if you get confused about when it's time to switch from Claritin to Dayquil.

How should people relieve cold symptoms before heading to the pharmacy?

Before you head to CVS at the first sign of sneezing and a sore throat, there are a few things Dr. Stanford suggests you do. "Optimizing our immune systems by focusing on overall health and wellbeing can help reduce the risk of infections, including the common cold. This includes eating a healthy diet, being physically active, getting enough sleep, and keeping stress in check," she says.

Unfortunately, Gallupreports that 57% of people feel they're not getting the proper amount of sleep they need. But, this doesn't mean you should ignore your lack of rest just because others are struggling too. Take it from someone whose insomnia impacted their mental health and a nasty bout of the Flu followed by Covid-19 two years ago! "Properly treating other health conditions can also help prevent acute illnesses, like the common cold," says Dr. Stanford.

However, it's not unusual to get a cold because Dr. Stanford says they're the "result of germs spread from contact with others." Taking precautions just helps your immune system work the eliminate the viral infection faster.

Do elderberry and Vitamin C fight off colds?

This is where things get a little tricky. Though elderberry and Vitamin C have been hailed as supplements that combat colds, not everyone agrees on their effectiveness. Dr. Stanford says, "While the evidence for Vitamin C in treating colds is mixed, sufficient research suggests that taking vitamin C supplementation can shorten the duration and reduce the severity of cold symptoms." But if you're thinking about relying on Vitamin C supplements, Dr. Stanford is less likely to encourage you to take them because they haven't been proven "to be effective in preventing common cold symptoms."

She also doesn't think you should take elderberry as if that'll also fight off a viral infection. "Elderberry is not effective in preventing colds, and evidence is insufficient to suggest that it is effective in treating the common cold," she explains.

Do you recommend relying on Emergen-C to help combat cold symptoms?

So, what's the verdict on taking Emergen-C once it's confirmed you have a viral cold? The brand has several products that range from gummies to drink mixes, all aimed at supporting your immune system — but does that mean they're safe to take? According to Dr. Purdy, they are! "Emergen-C contains Vitamin C which is great for a good and healthy immune system and recovery. It also contains other good for you ingredients that help with your immune system like vitamin E and Zinc."

However, it's valid to want to know if there's a difference between Zicam and Emergen-C. According to Dr. Stanford, there is! "Similar to Vitamin C, evidence suggests that zinc may be effective in reducing the duration and severity of cold symptoms, but it is less likely to be effective in preventing the common cold," she explains. Plainly put, think of the two like this:

• Zicam = Zinc
• Emergen-C = Vitamin C

She even says, "Studies suggest taking both zinc and vitamin C could be beneficial!"

Can certain teas help soothe sore throats associated with colds?

Drinking warm tea can help alleviate cold symptoms, though you shouldn't think they're your only defense against viral infections. In conjunction with cold medicines, "throat coat teas really help soothe inflammation and help manage symptoms," says Dr. Purdy. The reason for this is that most "throat support products are indicated to ameliorate sore throat and similar symptoms, often by numbing agents, temperature, and other factors," Dr. Stanford explains. In short, don't be afraid to use tea as a form of hydration while you're sick!

Dr. Purdy says other things you can use to help alleviate your symptoms are a humidifier, nasal spray, and drops. Take it a step further by taking a "steam shower" to "provide some much needed relief."

Shop Emergen-C, Zicam, & Throat Coat Teas

Emergenc-C 1000mg Vitamin C Daily Immune Support

Zicam with Echinacea and Sambucus, Homeopathic Zinc

Traditional Medicinals Throat Coat Original With Slippery Elm

Yogi Honey Lemon Throat Comfort

A Chic Gray Bob 

Go for the classic style by asking for this exact cut at the salon. This shape makes everyone looks amazing and is probably one of the most versatile gray bobs that can inspire your next trip to the salon. To maintain it, you'll want to protect your hair with a scarf at night. During the day, make sure you use a heat protectant before curling it with one of your flat irons.

This blunt hairstyle looks SO good with glasses, too! Pair it with a statement lipstick, and you're really making some stylish moves!

A Gray Lob

Bobs can be as short or long as you want as evidenced by this longer 'lob.' This is for the person who doesn't want to have hair like Rapunzel, but still wants to maintain some of their length. If you ever want to go for a shorter look with this style, all you have to do is pin curl the ends of your hair.

I love how this cut cascades with naturally curly or wavy hair!

I mean, look how flattering this is!

Plus, this slightly shorter length can really add some body to the ends!

A Bob With Bangs

Listen, a bob and bangs are a match made in heaven. I don't make the rules — it just works beautifully! If you're looking to really frame your face, this is a really great option! And look at how it makes your gorgeous features stand out even more!

A Perfectly Curled Under Gray Bob 

Then again, you can keep it short and simple with this perfectly curled gray bob. Whether you consider yourself bold or not for rocking this style, it's one of those looks that'll stand out if you add a beautiful balayage to it.

Did we just give you an idea? We think so!

And with the round glasses to boot? Yeah, this woman screams, "I look good, and I cannot be stopped!"

This look can also add a lot of softness to your aura, too. Really love how it hugs her face here!

A Shorter Gray Bob With Side Bangs

The best thing about shorter hairstyles are their ability to highlight someone's features. If you have an oval face with high cheekbones, this style will amplify them. Not only that, but you'll have fun parting your hair to create side bangs.

Tip: Use a small flat iron to create depth without over-curling your hair.

Look at how this cut angles perfectly with her face! So sleek!

A Stacked Or Graduated Bob 

Another chic bob to wear is a stacked or graduated bob. Similar to the stylish woman in the picture, we imagine this hairstyle is for the woman who loves letting her personality shine through whatever she's wearing. We're jumping the gun, but this is one of those hairstyles you'll have fun planning outfits around.

I just love how this frames and elongates her face! The hairstyle makes her look refreshed and young, giving features like her eyes a chance to really shine!

A Gray Wavy Bob

This is the perfect length and shape to make your natural curls or waves shine. You won't even have to worry about curling your hair with this style because it doesn't require you to. If you're not sure what to use on your hair, we recommend using products from Sienna Naturals to help with the overall health of it.

This hairstyle adds so much movement to your look!

You don't have to have such exaggerated waves, either. Some subtle waviness to your gray bob hairstyle is just enough to add that beautiful movement!

A Fully Curly Bob

Curly hair don't care? A gray bob hairstyle is PERFECT for you. This look says you're fun, fabulous, and ready to have a good time. Plus, it's yet another look that goes oh-so well with your statement glasses — the perfect chic look, if I do say so myself!