A health savings account, or HSA, is a tax-exempt account that allows you to save money to pay for qualified health care expenses. The list below includes just some of the medical expenses that are considered eligible for reimbursement.
Qualified Medical Expenses |
- Acupuncture
- Addiction Counseling
- Ambulance
- Braille Books and Magazines
- Breast Pumps and Supplies
- Chiropractor
- Durable Medical Equipment
- Face Masks and Other COVID-Protective PPE
- Fertility Enhancements
- Guide Dog or Other Service Animal
- Hearing Aids
- Home Care
- Hospital Services
- Lab Fees
- Long-term Care
| - Midwife
- Nursing Services
- Oxygen
- Physical Therapy
- Psychiatric Care
- Psychotherapy
- Prescription Drugs
- Speech Therapy
- Sterilization
- Surgery
- Transplants
- Wigs
- X-rays
|
Qualified Dental Expenses |
- Braces
- Bridges
- Dental Exams (including X-rays)
- Fillings
| - Fluoride Treatments
- Occlusal Guards (to prevent teeth grinding)
- Root Canals
|
Qualified Vision Expenses |
- Contact Lenses
- Eye Exams
- Eye Surgery
| - Eyeglasses
- Vision Correction Surgery
|
What may not be covered
Not all medical, dental and vision expenses are qualified under your HSA. Here are some expenses that are not considered eligible for reimbursement.
- Aromatherapy
- Babysitting or Child Care
- Cosmetic Surgery
- Diaper Services
- Funeral Expenses
- Hair Transplants
- Health Club Dues (with a letter of medical necessity)
| - Health Insurance Premiums
- Massage (unless a prescription is presented)
- Nutritional Supplements
- Personal Use Items
- Teeth Whitening
- Weight Loss Programs
|
A complete list of eligible expenses
Be sure to refer to IRS Publication 502, Medical and Dental Expenses for a complete list of all HSA-eligible expenses.
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