What are common HSA eligible expenses?

Eligible expenses are medical items or services that count as IRS-qualified purchases to be made with HSA pre-tax dollars. Only eligible out-of-pocket expenses can be reimbursed to enrollees from their HSA— if they won’t already be reimbursed by the provider. Using HSA funds for ineligible expenses may result in tax penalties.

Below are some of the most common eligible expenses; you can find a complete list here.

  • Acupuncture
  • Adaptive equipment (e.g. raised toilet seat)
  • Ambulance fees
  • Artificial limb or prosthesis 
  • Artificial teeth
  • Bandage tape 
  • Bandages
  • Birth control pills
  • Blood pressure monitor
  • Braces (knee, ankle, wrist) 
  • Breast pumps and supplies
  • Car adaptations (for persons with disabilities)
  • Chiropractic services
  • Co-insurance
  • Contact lens solution
  • Contacts
  • Contraceptives
  • Copays 
  • CPAP machine
  • Crutches
  • Deductibles
  • Dental services (excludes veneers and other cosmetic procedures) 
  • Diabetes testing supplies
  • Diabetic supplies
  • Doctor visits 
  • Drug addiction treatment 
  • Eye drops
  • Eye exams 
  • Fertility treatment
  • First aid kits
  • Flu shots
  • Hearing aids
  • Home medical equipment
  • Hormone therapy 
  • Hospital services (including meals and lodging) 
  • Humidifier (with a doctor's note)
  • Hypnosis (with a doctor's note)
  • Individual counseling
  • Insulin
  • Lab work
  • Lactation consultants
  • Lamaze
  • Laser eye surgery
  • Massage (with a doctor's note)
  • Medical abortion
  • Medical alert bracelet and current year membership fees
  • Mileage (to receive medical care)
  • Non-cosmetic surgery
  • Naturopathic visits 
  • Occupational therapy 
  • Orthotics 
  • Physical exams
  • Physical therapy 
  • Pregnancy test 
  • Prental vitamins 
  • Prescription drugs
  • Prescription glasses 
  • Psychologist
  • Reading glasses
  • Saline nasal spray
  • Service animals
  • Speech therapy 
  • Sunscreen SPF .30 or greater (proof of SPF required)
  • Telephone equipment for hearing and visually impaired
  • Thermometer 
  • Vaccinations
  • Walker
  • Wheelchair and repair
  • X-rays 

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