What does insurance have to do with it? Currently you can use your HSA or FSA monies to purchase OTC drugs. If you want to continue purchasing OTC drugs with your HSA or FSA monies, you will need a prescription. Imagine having to get a prescription from your doctor for Ibuprofen....
So include them in your medical deductions.
Perhaps you don’t know what HSA’s or FSA’s are. I have an FSA. My employer allows me to deduct up to $1000 into this account. This is money that I have earned, it is $1000 from my salary. This decreases my tax burden by $1000 each year. From this account, I purchase Tylenol, Benadryl, Neosproin, Pepto, etc., as well as pay for doc, er, x-ray, surgery, and prescription co-pays. Since I have no dental or eye coverage, I swipe my FSA card for these visits as well. I can use my FSA for eye glasses, contacts, sunglasses (prescription), cavity fillings, etc. Again this is my money from my salary, I’m just using it pre-tax.