FABRIC SAMPLERS

NEW PADS TWICE A MONTH

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Can I use my FSA or HSA account to purchase Soco Studio cloth pads?

Short answer: No, not at this time.

Why not?

The IRS (not the FDA) decides which products count as “qualified medical expenses” for Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA). The CARES Act of 2020 added disposable menstrual products—like tampons, single-use pads, and menstrual cups—to the approved list. Single-use items which are already sold in pharmacies.

The IRS views reusable pads as "personal care" not "medical"

This means legally we cannot process FSA or HSA cards for your order.

Reusable cloth pads weren’t specifically named, and if a product isn’t listed in the law, it defaults to “not eligible.” FSA/HSA payment systems are coded to reject those purchases automatically.

While period care is essential, choosing to use fancy, handmade, pretty, reusable pads like ours is exactly that—a choice. They’re a luxury upgrade from the basic, mass-produced disposables the law covers. They’re not “medically required” by IRS standards, which is another reason they’re excluded.

We’d love to see sustainable options included in the future, but until lawmakers update the list, our pads must be purchased with regular payment methods.

 

Are Soco Studio cloth pads FDA approved?

The FDA doesn’t actually “approve” menstrual pads—disposable or reusable. They classify them as medical devices, which means large-scale manufacturers and importers must follow certain registration and labeling rules.

Our pads are handmade in the U.S. from safe, high-quality fabrics, and we follow all safety and labeling guidelines required for small businesses. Since we’re not mass-producing in a medical facility or importing overseas, formal FDA registration isn’t required for us.

In short: The FDA isn’t stamping pads with an “approved” seal—ours or anyone else’s. But we hold ourselves to a higher quality standard than most big-name brands.

  • The FDA doesn’t license businesses — they regulate certain product categories, and menstrual products are classified as medical devices under their system.

  • Reusable cloth pads do technically fall under the FDA’s “menstrual pad” classification, but the regulations mainly apply to manufacturers/importers producing at scale and to companies making health or medical claims beyond normal use.

  • For small businesses selling handmade pads within the U.S., FDA registration is generally voluntary unless you’re manufacturing in a way that falls under their formal medical device rules (e.g., sterile environments, large-scale facilities, overseas imports, or specific health-related claims).

  • What is required is that your products are safe, labeled correctly, and don’t make misleading claims about preventing, diagnosing, or curing medical conditions.

So — there’s no law that says “you can’t sell pads without an FDA license.” The law just says that if you fall into certain manufacturing or import categories, you must register and comply with FDA rules.