HSA Eligible Expenses

In general, you can use your Health Savings Account (HSA) to pay for any medical, dental, or vision expenses related to the prevention, treatment, diagnosis, or mitigation of a disease or illness, as well as qualified expenses you will incur in retirement. Ultimately, the IRS determines the products and services that are eligible for purchase with an HSA, which they have outlined in Publication 502.

While there are a handful of expenses that are exclusively eligible under the HSA, the majority of eligible expenses are the same for both an HSA and a Medical FSA. Below are a few of the most common eligible and ineligible expenses.

For a complete list of eligible HSA expenses or purchase eligible items online, visit the HSA Store!

Common Eligible Expenses

  • Insurance: co-pays, deductibles, co-insurance
  • Medical: medical doctor fees, office visit charges, annual physical exams, x-rays, lab fees
  • Vision: vision exams, frames and lenses, including prescription sunglasses, contact lenses, LASIK eye surgery
  • Medicines and drugs: prescription and over-the-counter (see below)
  • Dental: exams, x-rays, fillings, false teeth, retainers, caps, crowns, orthodontia, implants
  • Chiropractors / Acupuncturists

Common Eligible Over-the-Counter Expenses

  • Contact Lens Solution
  • Insulin & diabetic supplies
  • Band-aids / bandages
  • Reading glasses
  • Birth control products and pregnancy tests
  • Supports / braces (e.g. ankle, knee, wrist, therapeutic gloves)

Looking to purchase eligible HSA items online?
Visit the HSA Store today!

HSA-Only Eligible Expenses

  • COBRA or other continuation coverage
  • Long-term care insurance (see IRS Publication 502: Long-Term Care)
  • Healthcare coverage while receiving unemployment compensation under federal or state law
  • Medicare and other healthcare coverage if you are 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap)

Common Eligible Over-the-Counter Drugs and Medicines Requiring a Prescription

  • Cold, Flu, Allergy and Sinus Medications (throat lozenges)
  • Pain Relievers (Aspirin, Excedrin, Tylenol, Advil, Motrin)
  • Acne medications
  • Acid controllers
  • Anti-gas products
  • Sleep aids & sedatives

Common Ineligible Expenses

  • Elective cosmetic surgery
  • Teeth whitening products
  • Mouthwash, toothpaste / brushes & floss
  • Hair re-growth products