Quick Answer
Yes, therapy and counseling are HSA-eligible. Sessions with psychologists, licensed counselors, and social workers all qualify.
What You Need to Know
Mental health services are fully HSA-eligible. This includes sessions with psychologists, licensed professional counselors (LPCs), licensed clinical social workers (LCSWs), marriage and family therapists, and psychiatrists. Both in-person and telehealth sessions qualify. There is no limit on the number of sessions you can pay for with your HSA.
What Qualifies
- ●Individual therapy sessions (in-person or telehealth)
- ●Couples and marriage counseling
- ●Family therapy
- ●Group therapy sessions
- ●Psychiatric evaluations and medication management
- ●Substance abuse and addiction treatment programs
Pro Tip: Save Your Receipts
Even if you pay out of pocket today, save your receipt. The IRS allows HSA reimbursements with no time limit. You can let your HSA grow tax-free and reimburse yourself months or years later. This is the HSA reimbursement trick that turns everyday medical spending into long-term wealth.
Track Every Eligible Expense
Never Miss an HSA-Eligible Purchase
Tripl tracks your HSA receipts automatically so you can maximize your tax savings. See your total reimbursable amount grow over time.
