HSA-Eligible Items Directory

Yes, contact lenses are HSA-eligible. This includes both prescription contacts and the solution you need to maintain them.

Yes, prescription glasses are HSA-eligible. This covers frames, lenses, and lens upgrades like progressive or anti-glare coatings.

Yes, eye exams are HSA-eligible. Both routine vision exams and medical eye exams qualify.

Yes, LASIK is HSA-eligible. Laser eye surgery for vision correction is a qualified medical expense, and it is one of the best uses of HSA funds.

It depends. Prescription sunglasses are HSA-eligible. Non-prescription sunglasses are generally not, unless they meet specific medical criteria.

Yes, dental cleanings are HSA-eligible. All preventive dental care qualifies, including routine cleanings, exams, and X-rays.

Yes, braces are HSA-eligible. Orthodontic treatment including traditional braces and clear aligners like Invisalign qualifies when prescribed for a medical condition.

Yes, dental crowns are HSA-eligible. Crowns, caps, and other restorative dental work are qualified medical expenses.

Yes, dental implants are HSA-eligible. The implant, abutment, crown, and all related surgical fees qualify.

Yes, dental X-rays are HSA-eligible. Diagnostic dental X-rays of all types are qualified medical expenses.

Yes, orthodontic retainers are HSA-eligible. Retainers, clear aligners, and other orthodontic devices prescribed to maintain or correct dental alignment qualify.

Yes, all prescription medications are HSA-eligible. Any drug prescribed by a licensed healthcare provider qualifies.

Yes, over-the-counter medications are HSA-eligible without a prescription. The CARES Act of 2020 made this possible.

Yes, sunscreen with SPF 15 or higher is HSA-eligible. This is one of the most commonly overlooked eligible items.

Yes, chiropractic care is HSA-eligible. Adjustments and treatments from a licensed chiropractor are qualified medical expenses.

Yes, acupuncture is HSA-eligible when performed by a licensed practitioner for a medical condition.

Yes, physical therapy is HSA-eligible. Treatment prescribed for rehabilitation or a medical condition is a qualified expense.

It depends. Massage therapy is HSA-eligible only when prescribed by a doctor for a specific medical condition. Recreational massage does not qualify.

Yes, therapy and counseling are HSA-eligible. Sessions with psychologists, licensed counselors, and social workers all qualify.

Yes, substance abuse treatment is HSA-eligible. Both inpatient and outpatient programs qualify, including detox, counseling, and medication.

Yes, hearing aids are HSA-eligible. The device, batteries, repairs, and hearing tests all qualify.

Yes, home blood pressure monitors are HSA-eligible. You do not need a prescription to purchase one with HSA funds.

Yes, CPAP machines and supplies are HSA-eligible. The machine, mask, tubing, filters, and cleaning supplies all qualify.

Yes, thermometers are HSA-eligible. All types of medical thermometers qualify as first aid supplies.

Yes, wheelchairs and mobility aids are HSA-eligible. Wheelchairs, walkers, canes, mobility scooters, and related accessories all qualify.

Yes, first aid supplies are HSA-eligible. Bandages, antiseptic, gauze, and other first aid products qualify without a prescription.

Yes, acne treatments are HSA-eligible. Over-the-counter and prescription acne products both qualify.

Yes, breast pumps and supplies are HSA-eligible. This includes electric and manual pumps, storage bags, and related accessories.

Yes, pregnancy and prenatal care are HSA-eligible. Prenatal vitamins, ultrasounds, labor and delivery, and postpartum care all qualify.

No, gym memberships are generally not HSA-eligible. The IRS considers general fitness expenses as personal, not medical.

It depends. General daily vitamins are not HSA-eligible. However, vitamins and supplements prescribed to treat a specific medical condition do qualify.

Yes, fertility treatments are HSA-eligible. IVF, IUI, fertility medications, and egg freezing for medical reasons all qualify as medical expenses.

Yes, insulin and diabetic supplies are HSA-eligible. Insulin, glucose monitors, test strips, insulin pumps, and related supplies all qualify.

Yes, medical travel costs are HSA-eligible. Mileage to and from medical appointments, parking fees, tolls, and lodging for out-of-town treatment all qualify.

Yes, service animals are HSA-eligible. The cost of purchasing, training, feeding, and providing veterinary care for a qualified service animal all qualify.

It depends. Weight loss programs are HSA-eligible only when prescribed by a doctor to treat a specific diagnosed condition such as obesity, heart disease, or hypertension.