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HSA/FSA Shop

  • Yes, you can use HSA/FSA funds to buy eligible Tubby Todd products
  • Pay with Flex at checkout or submit your receipt for reimbursement
  • Bundle and save, while still using your tax-free dollars
Shop products for: diaper rash, eczema, sun protection, and cradle cap

HSA/FSA Eligible Products

All Over Ointment Eczema Treatment
From
$15
HELPS SOOTHE + PREVENT ECZEMA:
A balm for everything! Our rich, creamy ointment is made from plant-based ingredients like Jojoba Esters and Camellia Leaf Extract to naturally moisturize and soothe sensitive skin. Our updated formula is exactly the same as the original with just one added ingredient: 1% Colloidal Oatmeal to help soothe eczema and other skin sensitivities. If your fam suffers from...
New
Barrier Bundle
$45
CARE FOR YOUR MOISTURE BARRIER
Three simple products to care for sensitive skin and build that moisture barrier, baby! The Barrier Bundle is perfect if your fam struggles with dryness or sensitivity. These three gentle products are all created with sensitive skin in mind to cleanse, moisturize and protect!
The Regulars Bundle includes:
• Barrier Balm (0.5oz Fragrance-free)
• Hair + Body...
New
Barrier Balm
From
$12
PETROLATUM-FREE SKIN PROTECTANT
This ultra-convenient, mess-free balm delivers soothing, targeted relief for itchy, dry skin—exactly where your little one needs it. Packed with gentle, plant-based ingredients and 1% Colloidal Oatmeal, this twist-up stick is perfect for repairing the skin barrier and nourishing sensitive skin. Glide it on for instant comfort with no mess, no fuss.     
 
Hand Sanitizer 2 Pack
$12
SPRITZ YOUR MITTS A convenient travel-sized germ fighter for all those yucky moments when hand washing is not an option. Our Hand Sanitizer will be your constant travel companion and come to the rescue any time your little one has sticky mitts! Spritz it directly on skin that needs a bit of cleaning up, no need to rinse or dry off!  
•...
Sweet Cheeks Diaper Paste
From
$8
HELPS TREAT + PREVENT DIAPER RASH :
Treat your babe's cheeks to this smooth, fragrance-free paste to soothe skin and prevent irritation! With 14% zinc oxide and lots of yummy, organic ingredients, Sweet Cheeks is safe to use during diaper changes throughout the day! The perfect top layer to help seal out wetness and irritants and protect skin, Sweet Cheeks...
Bye-Bye Cradle Cap
From
$16
 
FOR HEALTHIER SKIN AND SCALP A gentle gel formulated with sensitive scalps in mind. Bye-Bye Cradle Cap contains naturally derived Pyrithione Zinc with hydrating ingredients like Aloe Vera Leaf Juice and Olive Fruit Oil to help fight, improve and prevent symptoms of Cradle Cap including scaling, redness and irritation to reveal healthier looking skin. Translation? Farewell flakes!  
(Available with...
Diaper Duo
From
$37
PERFECT SKINCARE PAIR: 2 FOR $36:
Calling all diaper changin' mamas and dads! Keep baby's sensitive skin happy and hydrated with our two favorite products for frequent changes. Available in two sizes with option to add our Tubby Todd Silicone Spatula for even easier application. The best part? When you shop this pre-built duo you'll save over 10%! This duo...
Sweet Cheeks Diaper Paste Spray
From
$16
SPRAY, SOOTHE, PROTECT :
Treat your babe's cheeks to this smooth, fragrance-free diaper rash spray to soothe skin and prevent irritation! With 14% zinc oxide and lots of gentle ingredients, Sweet Cheeks is safe to use during diaper changes throughout the day! The perfect top layer to help seal out wetness and irritants and protect skin, Sweet Cheeks Spray will...
Diaper Spray Duo
From
$35
BABY BUM'S BFF:
Calling all diaper changin' mamas and dads! Keep baby's sensitive skin happy and hydrated with our favorite products for frequent changes. Diaper Paste Spray helps treat and prevent diaper rash while All Over Ointment soothes sensitive skin. The best part? When you shop this pre-built duo you'll save over 10%! This duo is also FSA/HSA Eligible!
The...
The Sun Kit
From
$51
 
ALWAYS READY TO PLAY The Sun Kit is perfect for all your on-the-go sun protection needs (and includes a built-in 10% discount)! Pack these Mineral SPF protectors for your outdoor adventures this summer to have our sunscreen and lip balm at your fingertips! Recommended for 6 months+.        
Choose between 3 different SPF combos to shop the best Kit...

Both HSA and FSA accounts are designed to help you cover health-related expenses using money you’ve already set aside, tax free.

  • HSA (Health Savings Account): Typically paired with high-deductible health plans. Your balance rolls over year to year.

  • FSA (Flexible Spending Account): Offered through many employers and “use it or lose it” so it’s smart to spend before your deadline.

While many people know these accounts cover things like doctor’s visits or prescriptions, not everyone realizes they also cover eligible over-the-counter skincare items, especially when used to treat medical conditions like diaper rash or eczema.

That’s where Tubby Todd comes in.

Your baby’s skincare routine just got smarter. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those tax-free dollars on select Tubby Todd products that help treat common skin conditions like diaper rash, eczema, cradle cap, and sun protection.

That means more savings for you, and more soothing, skincare fun for your little one.

Let’s break down how HSA/FSA spending works, how to check out using Flex, and which Tubby Todd products qualify, all organized by skin concern. Because you shouldn’t have to choose between products that work and peace of mind.

FAQs

Eligible product categories

All of the products below are HSA/FSA eligible when used to treat common baby skin concerns. Whether you’re dealing with dryness, diaper rash, eczema or cradle cap, there’s a Tubby Todd solution that’s as gentle as it is effective.

Diaper rash relief

Diaper rash is a rite of passage for babies, and parents. These products are formulated to calm redness and irritation while blocking out wetness to help soothe and prevent irritation..

Top picks:

  • All Over Ointment Eczema Treatment (AOO): Our cult-favorite balm that soothes dry patches, inflamed skin, and irritation in one. Rich, fragrance-free, and multipurpose.
  • Diaper Paste: Formulated with zinc oxide and plant-based ingredients for fast relief from painful  diaper rash.

Eczema and dry skin

If your little one has rough patches, sensitive spots, or eczema flare-ups, these gentle, dermatologist tested products help calm inflammation and seal in moisture, without synthetic fragrance, harsh chemicals, or anything that could disrupt their delicate skin barrier. They're designed to soothe on contact and support happy, hydrated skin with every use.

Top picks:

  • All Over Ointment: Our go-to for everything from dry patches, redness, irritation and more.

Sun protection

Sunscreen isn’t optional, it’s essential. The good news? Mineral SPF made for babies is often covered by HSA/FSA accounts.

Top picks:

  • Mineral Sunstick SPF 30: Mess-free application, water-resistant formula, and reef safe.
  • Mineral Sunscreen SPF 30: Gentle enough for daily use, strong enough for the sunniest adventures.
  • Travel SPF Bundle: A go-anywhere trio for protecting skin on the move.

Cradle cap care

Those tiny flakes and rough patches on your baby’s scalp? Totally normal—but treatable. Our Cradle Cap routine uses gentle cleansing and targeted hydration to help promote healthier skin and scalp.

Top picks:

Bundle & save with HSA/FSA

Here’s the best part: you can build your own custom bundle of HSA/FSA eligible products, get a discount, and still pay with your Flex card.

Start with a base of AOO and Dream Cream, add a Mineral Sunstick and Hair + Body Wash, and you’ve got a complete, benefits-covered routine that supports your baby’s skin from head to toe.

No coupon codes. No extra steps. Just smarter shopping.

Why Tubby Todd?

Every product we make is designed for sensitive skin, backed by real families, and packed with plant-based goodness. Whether you’re dealing with a rash, easing a flare-up, or protecting skin from the sun, you can feel confident that Tubby Todd is gentle, effective and safe for sensitive skin.

Using your HSA/FSA to cover eligible items means you’re not only choosing the best for your baby, you’re maximizing your benefits, too.

Ready to shop with your benefits? Browse eligible products and treat your baby’s skin, without dipping into your wallet.

Eligible product categories

All of the products below are HSA/FSA eligible when used to treat common baby skin concerns. Whether you’re dealing with dryness, diaper rash, eczema or cradle cap, there’s a Tubby Todd solution that’s as gentle as it is effective.

Diaper rash relief

Diaper rash is a rite of passage for...