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Small Business Employee Benefits and HR Blog

Comprehensive List of HSA-Eligible Expenses

A health savings account (HSA) is a tax-advantaged financial account designed toComprehensive List of HSA-Eligible Expenses help individuals and families cover the cost of qualified medical expenses. HSAs are particularly helpful because they never expire. You can use the funds you’ve saved even if you no longer have a high-deductible health plan (HDHP)—even decades later and into retirement, when your medical expenses are typically higher. Here is a list of medical expenses that are HSA eligible (or not eligible).

HSA Expense Eligibility

Description HSA Eligible?
Abortion Yes
Acupuncture Yes
Ambulance Yes
Annual physical exam Yes
Artificial limb Yes
Bandages Yes
Birth control pills Yes
Body scan (for diagnostic testing) Yes
Braille books and magazines Potentially
Breast pumps and supplies (lactation expenses) Yes
Breast reconstruction postmastectomy Yes
Capital expenses to modify your home for a disability   Potentially
Car modifications for a disability Potentially
Child care (for healthy baby) No
Chiropractor  Yes
Christian Science practitioner Yes
Contact lenses (and solution) Yes
Controlled substances No
Cosmetic surgery (medically unnecessary) No
Crutches Yes
Dental treatment (except "teeth whitening," below) Yes
Diagnostic devices (such as diabetes test kits) Yes
Diaper services No
Disabled dependent care expenses Potentially
Electrolysis or hair removal No
Eye exam Yes
Eyeglasses Yes
Eye surgery (vision correction) Yes
Fertility enhancement Potentially
Flexible spending account No
Funeral services No
Guide dog (or other service animal) Potentially
Health institute Potentially
Health club membership dues No
Health coverage tax credit No
Health savings accounts  No
Hearing aids Yes
Hearing-impaired telephone Yes
Hearing-impaired television modifications Potentially
Househould help No
Illegal operations and treatments No
Inpatient hospital services Yes
Insurance premiums Potentially
Intellectually and developmentally disabled housing Potentially
Laboratory fees Yes
Lead-based paint removal Potentially
Legal fees for medical expenses Potentially
Lifetime care—advance payments Potentially
Lodging for medical treatment Potentially
Long-term care Yes
Maternity clothes No
Meals (while receiving medical treatment at facility) Yes
Medical conferences Potentially
Medical information plan Potentially
Medical savings accounts No
Medications (prescribed only) Yes
Medications from other countries No
Nonprescription medication No
Nursing home Potentially
Nursing services Potentially
Nutritional supplements No
Operations (for medically necessary reasons) Yes
Optometrist Yes
Osteopath Yes
Oxygen (necessary for medical condition) Yes
Pregnancy test kits Yes
Premium tax credit Potentially
Psychiatric care Yes
Psychoanalysis Yes
Psychologist Yes
Smoking cessation programs (and prescriptions) Yes
Special education Potentially
Sterilization Yes
Substance abuse treatment (drug or alcohol) Yes
Teeth whitening No
Therapy Yes
Transplants Yes
Transportation (during medical treatments) Potentially
Trips (to receive medical treatments) Potentially
Tuition for special education Potentially
Vasectomy Yes
Veterinary services No
Weight-loss program Potentially
Wheelchair Yes
Wig Potentially
X-ray Yes

For additional information, see IRS Publication 502.

Looking for a list of HRA-eligible expenses? Download our ebook.

Learn the differences between HSAs, HRAs, and FSAs

What questions do you still have about HSAs? Let us know in the comments below.

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