<prompt> Human: Im contributing to an HSA but not using it as outlined by MadFIentist but Im a little confused as to 1 whether or not over-the-counter drugs like DayQuil are covered and 2 if its as simple as saving my DayQuil receipt and then doing a qualified withdrawal in, say, 40 years.Thanks!  <response>: Nonprescription drugs such as DayQuil are not a qualified medical expense. You cant pay for them with your HSA. 