Pay With HSA Or FSA Using Flex

Sky & Sol partners with Flex so you can use your HSA or FSA on eligible products and pay with pre tax dollars, saving 30 to 40 percent depending on your tax bracket.

What Is Flex

Flex is our secure checkout partner that enables HSA and FSA payments on skyandsol.com. You shop with Sky & Sol as usual. Flex handles eligibility and receipts.

How To Pay

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Add eligible items to your cart

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Go to checkout

  • Select Flex | Pay with HSA FSA
  • Enter your HSA or FSA card

If Flex does not appear, log out of Shop Pay or use an incognito or private browser window.

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No HSA Or FSA Card Or Low Balance

You can still use Flex with a credit or debit card.Flex supports split payments and emails an itemized receipt for reimbursement.

Reimbursement Basics

  • HSA: Reimbursement is generally allowed at any time
  • FSA: Purchases usually must be made during the active coverage year

Plan rules may vary by employer.

Frequently Asked Questions

What is Flex and what is its relationship with Sky & Sol?

Sky & Sol has partnered with Flex to allow customers to use their Health Savings Account (HSA) or Flexible Spending Account (FSA) for eligible purchases. This lets you use pre-tax dollars to buy qualifying Sky & Sol products, which may result in 30–40% net savings depending on your tax bracket.

How do I pay with my HSA or FSA card?

Add eligible Sky & Sol products to your cart and proceed to checkout. Select “Flex | Pay with HSA/FSA” as your payment method, enter your HSA or FSA debit card details, and complete checkout. If you do not see the Flex option, you may be logged into Shop Pay. Please select “checkout as guest” or use an incognito browser window to view all payment options.

Can I split payment between my HSA or FSA card and a credit or debit card?

Yes. Flex supports split payments. If your HSA or FSA card does not have sufficient funds to cover the full purchase, you can use your HSA or FSA card for the available balance and cover the remaining amount with a credit or debit card during checkout.

What if I don’t have my HSA or FSA card available?

You can still select “Flex | Pay with HSA/FSA” at checkout and use a credit or debit card. Flex will email you an itemized receipt that you can submit to your HSA or FSA provider for reimbursement.

Why can’t I see Flex as a payment option?

The most common reason is that you are logged into Shop Pay. Logging out of Shop Pay or completing checkout in an incognito or private browser window will allow all available payment methods, including Flex, to appear.

Why was my HSA or FSA card declined?

HSA and FSA cards function like debit cards. The most common reason for a decline is insufficient funds. Please contact your HSA or FSA administrator to confirm your balance and eligibility.

I submitted my Flex receipt but my FSA provider is requesting more information. What should I do?

Please forward the request from your FSA provider to us. We will coordinate with Flex to help provide any additional documentation needed.

I did not receive my Flex email with my itemized receipt. What should I do?

Please check your spam or junk folder, as emails may be filtered automatically. Flex emails are typically sent from notifications@withflex.com. If you still cannot find it, please contact support@withflex.com and include the email address used for your order.

My Sky & Sol receipt total does not match what my HSA or FSA was charged. Why?

This may occur when a cart includes both eligible and non-eligible items, when split payments are used, or when discounts or taxes are allocated across payment methods. Please contact us and we will review the charges and follow up with clarification or a correction if needed.

Is sales tax covered by HSA or FSA funds?

Yes. Sales tax on eligible items is covered by HSA or FSA funds. If your cart includes both eligible and non-eligible items or uses split payment, taxes are allocated proportionally based on item eligibility and payment method.

My HSA or FSA claim was denied. What should I do?

We recommend confirming eligibility with your HSA or FSA provider before purchasing, as employer-sponsored FSAs may apply restrictions beyond IRS guidelines. If you believe your claim was denied in error, please send us the response from your provider so we can review it with Flex and advise on next steps.

Can I purchase now and submit for FSA reimbursement in a future year?

This depends on your specific FSA plan. Most FSAs require purchases to be made during the active coverage year, though some plans allow a short grace or submission window. HSAs are different and generally allow reimbursement at any time, even in future years. Please review your plan details to confirm.

Can past Sky & Sol purchases made without Flex be reimbursed?

It depends on your account type. HSA holders may submit an itemized receipt for reimbursement at any time. FSA holders typically must have made the purchase during the same calendar year as their coverage. For the smoothest reimbursement experience, we recommend using Flex at checkout for HSA or FSA purchases.