Making it difficult for consumers to cover the costs of over-the-counter (OTC) medications doesn’t make sense at all. Yet, included in the Patient Protection and Affordable Care Act is a rule that requires those with FSAs, HSAs and HRAs to obtain a doctor’s prescription to use their accounts to cover the associated costs. 

When this idea first came up, I worked hard in association with Save Flexible Spending Plans (www.SaveMyFlexPlan.org) to argue why it shouldn’t be adopted.  Problems with the rule include a lack of clarity (doctors, pharmacists and patients are all confused about how to comply) and functionality (patients seeking prescriptions for medicines already available over-the-counter may drive up health care costs by increasing office visits).

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