get your employer to pay for emergency preps

Smart Strategies: How to Get Your Employer to Pay for Emergency Preps

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Can You Get Your Employer to Pay for Emergency Preps?

how to use your hsa to build a bug out bag

Short answer…kind of, yes!

Are you looking to build your emergency preparedness supplies without breaking the bank? You’re not alone! Many beginner preppers are on a tight budget but still want to be ready for any situation. One smart strategy is leveraging your employer’s contributions to Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) for emergency prep expenses. In this comprehensive guide, we’ll walk you through everything you need to know about using these accounts to bolster your emergency supplies.

Understanding HSAs and FSAs with Employer Contributions

Let’s start with the basics. HSAs and FSAs are accounts that allow you to set aside pre-taxed money for qualified medical expenses. What’s even better is that your employer may also contribute a certain amount to these accounts, effectively matching your contributions. This contribution can be up to 100%. This means you’re using pre-taxed dollars, combined with your employer’s contribution, to build your emergency prep fund without reducing your take-home pay.

Maximizing Your HSA and FSA with Employer Matching

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HSAs and FSAs with employer matching offer a unique opportunity to save money while preparing for emergencies. You can use these funds to purchase a wide range of emergency prep items, including various first aid kits, first-aid supplies, electrolytes, feminine hygiene products, some supplements, and most health-related items. By utilizing pre-taxed dollars and employer contributions, you can stretch your budget and ensure you have essential items for your emergency kit. That’s a pretty awesome way to build a bug-out-bag if you ask me!

Eligible Emergency Preparedness Items Covered by HSAs and FSAs

Here’s a list of emergency prep items typically covered by HSAs and FSAs with employer contributions:

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  • Various first aid kits
  • First-aid supplies
  • Electrolytes
  • Feminine hygiene products
  • Some supplements
  • Most health-related items
  • Over-the-counter medications
  • Health diagnostic equipment
  • Medical supplies

For a more comprehensive list of what is covered by your specific HSA, check with your provider or visit their website.

frugal family prepper pantry image

Here is a link to a list of Amazon products I curated that you can purchase with your HSA/FSA. There is an option on your Amazon account to add your HSA/FSA. Just go to your account–>your payments–>wallet. Always check in your cart before checking out that your HSA card is checked as method of payment and that all products are approved.

Where You Can Use Your HSA and FSA to Purchase Preps

Numerous online platforms and retailers accept HSA and FSA payments for emergency prep items. Websites like the HSAstore, Amazon HSA store, My Medic, & Contingency Medical are great places to buy equipment for your emergency kits. But don’t overlook brick-and-mortar stores like Dollar Tree, Walmart, Walgreens, and CVS. These stores offer a range of eligible items at budget-friendly prices, allowing you to stretch your pre-taxed dollars further.

Saving Money by Shopping Smart

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Purchasing prep items at affordable stores can significantly reduce your expenses. Dollar Tree, Walmart, Walgreens, and CVS are excellent options for finding budget-friendly emergency prep supplies. By shopping smart and taking advantage of your employer’s contributions, you can build a comprehensive emergency kit without straining your budget.

Strategies for Maximizing Employer Contributions

You might not be able to make your employer pay for all your preps but you can make the most of your employer’s contributions to your HSA by utilizing these strategies:

  1. Budget Wisely: Plan your purchases to maximize the use of pre-taxed dollars and employer matching. And only spend what you can afford and after you’ve paid any medical outstanding medical expenses.
  2. Shop Smart: Compare prices and look for discounts to get the best deals on emergency prep items.
  3. Utilize Online Resources: Explore websites like GoodRx, the HSA Store info page, and Anthem Blue Cross Blue Shield for guidance on using your accounts wisely.

How We Used Our HSA to Bulk Up Our Bug-Out-Bag

buy medical supplies with hsa fsa

When I discovered the flexibility of using our Health Savings Account (HSA) to purchase essential items for our emergency bug-out bag, I was thrilled. The ability to acquire crucial supplies such as first aid kits, emergency medical packs, and more through our HSA presented a game-changing opportunity. There were a few higher-priced items on my wish list to bolster our emergency provisions, including a top-of-the-line first-aid kit from My Medic and an emergency antibiotics kit from Contingency Medical. Thanks to the funds we had saved in our HSA, we were able to turn these wish list items into reality, significantly advancing our emergency preparedness goals.

Be Prepared, Not Overwhelmed

Being prepared for emergencies doesn’t have to be costly or overwhelming, especially when you leverage your employer’s contributions to HSAs and FSAs. By using pre-taxed dollars and employer matching, you can build a comprehensive emergency kit on a tight budget. Remember, it’s about being prepared, not overwhelmed. Start small, prioritize essential items, and gradually expand your prep supplies as your budget allows.

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