Which of these options can an individual use their medical flexible spending account to pay for?

An individual can use their medical flexible spending account (FSA) to pay for prescription drugs because this type of expense is considered a qualified medical expense under IRS regulations. Prescription medications are necessary for the treatment or prevention of a medical condition, making them an eligible use of funds in an FSA.

Cosmetic surgery, while related to health, is generally not considered a qualified expense unless it is performed to correct a deformity related to a congenital condition, injury, or disease. Therefore, it would not be eligible for FSA reimbursement. Gym memberships and health club fees, while they may promote general health and well-being, are typically not eligible expenses unless they are part of a prescribed treatment for a specific medical condition. This limitation ensures that FSAs are used for direct medical costs rather than expenses associated with general fitness or wellness. Thus, prescription drugs remain the clear and appropriate choice for FSA spending.