Flex - Is ARMRA Colostrum HSA or FSA Eligible?

Updated: March 1, 2025

HSA and FSA Eligibility of ARMRA Colostrum:

ARMRA Colostrum is eligible for purchase with a Health Savings Account (HSA) or Flexible Spending Account (FSA) if you have a Letter of Medical Necessity. You can use your HSA or FSA card to purchase or pay for it out-of-pocket and be reimbursed.

Nearly 40% of Americans have at least one major chronic disease, and the trend is expected to get worse. In part, this is because many risk factors stem from socioeconomic and environmental causes — which aren’t easily changed — including wildfires, pollution, pathogens, and poor access to quality food.

Dr. Sarah Rahal saw this firsthand. While running a busy pediatric practice, she witnessed a boom in chronic diseases among young patients so she set about looking for a solution to the question: if you can’t address the structural conditions, how can you help the individual?

After reviewing more than 5,000 research publications attesting to the health benefits of colostrum, she launched ARMRA Colostrum to help people strengthen their immune barriers.

Good news for those who like to be proactive about their health, you may be able to pay for ARMRA Colostrum with your Health Savings Account (HSA) or a Flexible Spending Account (FSA). Read on to find out how.

What is ARMRA Colostrum?

Colostrum is often called nature’s “first food” because it is typically the first nourishment a breastfed baby enjoys. Nutrient-dense, packed with antibodies, and flush with immune and growth factors, colostrum helps fortify newborns by jumpstarting their immune system, seeding their gut microbiome, and providing the sustenance they need to enter a brave new microbial-filled world.

Recently, this life-giving elixir has become popular as a supplement for immune function, gut health, and improved athletic performance.

ARMRA has been leading the way, and their proprietary process concentrates 400+ bioactive nutrients from bovine colostrum to be more digestible and efficacious. What are the ingredients in ARMRA Colostrum? According to the company, their formula includes:

“A host of protective antibodies, whole food prebiotics, strengthening peptides, free amino acids, trace minerals, immunoglobulins, tissue growth factors, antioxidants, adaptogens, mitochondrial regenerators, and other supportive compounds.”

When it comes to boosting your immune system, going back to nature’s fundamentals might be the way to go.

Why might you take ARMRA Colostrum?

Colostrum has been shown to support a few bodily functions:

• May give a boost to those with compromised immune systems and aging patients.
• May offer complementary immune support alongside vaccines.
• May promote the growth of intestinal cells and prevent intestinal permeability.
• May enhance epithelial restoration.
• May strengthen ability to fight infections, especially respiratory.

In other words, research suggests colostrum may support immune function and improve gut health.

Is ARMRA Colostrum HSA or FSA Eligible?

ARMRA Colostrum may be HSA or FSA-eligible if your medical provider prescribes it as part of a treatment plan to address or mitigate a diagnosed medical condition (note that generally, supplements are not eligible). To be able to use your HSA or FSA, your doctor will need to stipulate why colostrum is medically necessary for you in a Letter of Medical Necessity (LMN).

Simply put, a LMN is like a prescription that makes certain items eligible for HSA or FSA coverage. It allows healthcare providers to determine if a purchase is necessary to manage a specific condition. A LMN should include why the item is medically necessary and how it addresses a specific health condition, such as a need for exercise equipment to manage heart health or weight.

Quick Reminder: What Are HSAs/FSAs

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged accounts set up exclusively for health-related expenses. You can think of them as financial tools that supplement your health insurance by covering medical costs that your plan might not.

HSAs and FSAs are designed for qualified medical expenses, which the IRS describes as those expenses "primarily to alleviate or prevent a physical or mental disability or illness." These expenses can include anything related to diagnosis, treatment, and prevention.

Check out the IRS’s Publication 502 for a full list of eligible items. You can also purchase items that aren’t pre-approved if you have a Letter of Medical Necessity from a healthcare provider, which allows greater flexibility.

Why You Should Take Advantage of HSAs or FSAs for ARMRA Colostrum

There are a few reasons you want to consider using your HSA or FSA to buy ARMRA Colostrum:

• Tax savings: Because HSAs and FSAs are tax-advantaged financial accounts, you can put money away for medical fees while also reducing your taxable income. Specifically, contributions are pre-tax and withdrawals for qualified medical expenses are tax-free, which means you can save 30-40% on purchases because of tax savings.
• FSAs are Use It or Lose It: One major difference between FSAs and HSAs is that most FSA funds that are not used by the end of the plan year are forfeited. There is the potential for a grace period or a limited rollover option, but in the end, you will either need to use your funds or lose them.
• Be proactive about your health: Think of your HSA or FSA as letting you take control of your health because you can choose to invest in preventative or mitigating products or services not typically covered by your health insurance. This approach can help to detect problems early, reduce the risk of disease, and generally maintain a healthier lifestyle.