Understand Your HSA

Explore the most complete, IRS-aligned list of HSA-eligible expenses to make informed reimbursement decisions.

List key:
  • ✅ Eligible = clearly a qualified medical expense.
  • ⚠️ Eligible with LMN = eligible with medical documentation, often including a Letter of Medical Necessity.
  • 🧾 Potentially eligible = only some costs may qualify or it depends on the facts; itemization matters.
  • ❌ Ineligible = not HSA eligible for typical personal, wellness, or cosmetic use.
    •

A

Expense Status
Abortions✅ Eligible
Acetaminophen✅ Eligible
Acne medicine✅ Eligible
Acupressure✅ Eligible
Acupressure supplies✅ Eligible
Acupuncture✅ Eligible
Adaptive equipment✅ Eligible
Adult day care❌ Ineligible
Air conditioners📝 Eligible with LMN
Air purifiers📝 Eligible with LMN
Alcohol wipes✅ Eligible
Alcoholism treatment programs✅ Eligible
Allergy medication✅ Eligible
Allergy testing✅ Eligible
Ambulance care✅ Eligible
Anesthesia services✅ Eligible
Annual physical exams✅ Eligible
Antacids✅ Eligible
Anti-nausea medication✅ Eligible
Antibiotic ointments✅ Eligible
Antibiotics✅ Eligible
Antidepressants✅ Eligible
Antidiarrheal medication ✅ Eligible
Antifungal cream✅ Eligible
Antihistamines✅ Eligible
Apple Watches📝 Eligible with LMN
Arthritis gloves✅ Eligible
Arthritis medication✅ Eligible
Artificial insemination✅ Eligible
Artificial sweeteners❌ Ineligible
Aspirin✅ Eligible
Assisted living expenses❌ Ineligible
At-home drug tests✅ Eligible
Autoinjectors✅ Eligible

B

Expense Status
Baby breathing monitors✅ Eligible
Baby products❌ Ineligible
Baby sunscreen✅ Eligible
Bandages✅ Eligible
Bariatric surgery✅ Eligible
Bathing aids✅ Eligible
Bathroom scales🧾 Potentially eligible
Batteries for medical devices✅ Eligible
Bed pans✅ Eligible
Bed rails✅ Eligible
Bicycles📝 Eligible with LMN
Birth control pills✅ Eligible
Blood glucose monitors✅ Eligible
Blood glucose testing✅ Eligible
Blood glucose testing supplies✅ Eligible
Blood pressure monitors✅ Eligible
Blood storage🧾 Potentially eligible
Blood tests✅ Eligible
Blue light glasses❌ Ineligible
Body fat calipers❌ Ineligible
Body scans✅ Eligible
Braces✅ Eligible
Breast implant removal📝 Eligible with LMN
Breast milk storage products✅ Eligible
Breast MRIs✅ Eligible
Breast pumps✅ Eligible
Breast reconstruction after cancer✅ Eligible
Breastfeeding pillows❌ Ineligible
Breathing trainers✅ Eligible

C

Expense Status
Cancer screenings✅ Eligible
Car modifications📝 Eligible with LMN
Carpal tunnel treatment✅ Eligible
Cataract surgery✅ Eligible
Catheters✅ Eligible
CBD products❌ Ineligible
Chelation therapy📝 Eligible with LMN
Childbirth✅ Eligible
Childbirth classes🧾 Potentially eligible
Children's sunscreen✅ Eligible
Chiropractic treatments✅ Eligible
Chiropractor visits✅ Eligible
Cholesterol test kits✅ Eligible
Christian Science practitioners✅ Eligible
Cialis✅ Eligible
Circulation machines📝 Eligible with LMN
Circumcision✅ Eligible
Clear aligners✅ Eligible
COBRA premiums✅ Eligible
Cochlear implants✅ Eligible
Cold medicine✅ Eligible
Cold packs✅ Eligible
Cold sore medication✅ Eligible
Collagen dressings✅ Eligible
Collagen injections🧾 Potentially eligible
Cologuard✅ Eligible
Colonoscopies✅ Eligible
Colostomy supplies✅ Eligible
Commode parts✅ Eligible
Commodes✅ Eligible
Compression products✅ Eligible
Concierge medicine membership fees❌ Ineligible
Condoms✅ Eligible
Contact lens supplies✅ Eligible
Contact lenses✅ Eligible
Contraceptives✅ Eligible
Controlled substances❌ Ineligible
Copays✅ Eligible
Cord blood storage🧾 Potentially eligible
Corn removers✅ Eligible
Corneal keratotomy surgery✅ Eligible
Coronary calcium scans✅ Eligible
Cosmetic procedures❌ Ineligible
Cotton balls❌ Ineligible
Cotton swabs❌ Ineligible
Cough drops✅ Eligible
COVID-19 tests✅ Eligible
CPAP supplies✅ Eligible
CPR classes❌ Ineligible
Craniosacral therapy📝 Eligible with LMN
Cryotherapy🧾 Potentially eligible
Crystalens surgery✅ Eligible
CT scans✅ Eligible

D

Expense Status
Dandruff shampoo✅ Eligible
Decongestants✅ Eligible
Defibrillators✅ Eligible
Dehumidifiers⚠️ Eligible (LMN Required)
Dental floss❌ Ineligible
Dental picks❌ Ineligible
Dental procedures✅ Eligible
Denture supplies✅ Eligible
Dentures✅ Eligible
DEXA scans✅ Eligible
Diabetic support products✅ Eligible
Diaper rash cream✅ Eligible
Diet pills❌ Ineligible
Dilation and curettage (D&C)✅ Eligible
Direct primary care fees✅ Eligible
Disinfecting wipes❌ Ineligible
Disposable gloves✅ Eligible
Donor breast milk📝 Eligible with LMN
Douche❌ Ineligible
Doula services🧾 Potentially eligible
Dressing aids✅ Eligible
Drug addiction treatment✅ Eligible
Drug overdose treatment✅ Eligible

E

Expense Status
Ear drops✅ Eligible
Ear wax removal products✅ Eligible
Earplugs❌ Ineligible
EEG biofeedback📝 Eligible with LMN
Egg freezing✅ Eligible
Elder care❌ Ineligible
Electric massagers❌ Ineligible
Electronic cigarettes❌ Ineligible
Electrotherapy✅ Eligible
Emergency equipment✅ Eligible
Emergency room visits✅ Eligible
EMS devices✅ Eligible
Enemas✅ Eligible
Epipens✅ Eligible
Epsom salt✅ Eligible
Erectile dysfunction medications✅ Eligible
Exercise bikes📝 Eligible with LMN
Exercise equipment📝 Eligible with LMN
Eye drops✅ Eligible
Eye exams✅ Eligible
Eye pressure monitors✅ Eligible
Eye surgery✅ Eligible

F

Expense Status
Female breast reduction📝 Eligible with LMN
Feminine hygiene products✅ Eligible
Feminine pain relief products✅ Eligible
Fertility monitors✅ Eligible
Fertility tests✅ Eligible
Fertility treatments✅ Eligible
First aid kits✅ Eligible
First aid supplies✅ Eligible
Fitbits📝 Eligible with LMN
Fitness trackers📝 Eligible with LMN
Flu shots✅ Eligible
Fluoride rinses✅ Eligible
Fluoride treatments✅ Eligible
Fuel for medical care✅ Eligible

G

Expense Status
Gas relief medication✅ Eligible
Gastric bypass surgery✅ Eligible
Generic prescription drugs✅ Eligible
Genetic testing✅ Eligible
Grooming aids✅ Eligible
Guide dogs✅ Eligible
Gym membership fees📝 Eligible with LMN
Gynecological exams✅ Eligible
Gynecomastia surgery📝 Eligible with LMN

H

Expense Status
Hair regrowth products❌ Ineligible
Hand sanitizer✅ Eligible
Handicap license plates✅ Eligible
Headache medicine✅ Eligible
Health insurance premiums🧾 Potentially eligible
Hearing aid batteries✅ Eligible
Hearing aid maintenance✅ Eligible
Hearing aid repairs✅ Eligible
Hearing aids✅ Eligible
Hearing tests✅ Eligible
Heart rate monitors✅ Eligible
Heart scans✅ Eligible
Heating pads✅ Eligible
Hemorrhoid cream✅ Eligible
Herbal supplements❌ Ineligible
Hernia supports✅ Eligible
Home diagnostics✅ Eligible
Home oxygen supplies✅ Eligible
Hormone replacement therapy✅ Eligible
Hospital beds✅ Eligible
Hospital food for caregivers❌ Ineligible
Hospital food for patients✅ Eligible
Hospital visits✅ Eligible
Hot packs✅ Eligible
Hot tubs❌ Ineligible
Hotel expenses for medical care✅ Eligible
Human growth hormone (HGH)✅ Eligible
Human guides✅ Eligible
Humidifiers📝 Eligible with LMN
Hydrogen peroxide✅ Eligible
Hydrotherapy✅ Eligible
Hyperbaric oxygen therapy✅ Eligible
Hypnosis📝 Eligible with LMN
Hysterectomies✅ Eligible

I

Expense Status
Ibuprofen✅ Eligible
Ileostomy supplies✅ Eligible
Immunizations✅ Eligible
Immunotherpy✅ Eligible
In vitro fertilization (IVF)✅ Eligible
Incentive spirometers✅ Eligible
Incontinence supplies✅ Eligible
Infertility treatment✅ Eligible
Insect bite medication✅ Eligible
Insulin✅ Eligible
Insulin supplies✅ Eligible
Inversion tables📝 Eligible with LMN
Invisalign✅ Eligible
IV equipment✅ Eligible

J

Expense Status
Joint pain medication✅ Eligible

K

Expense Status
Kenalog injections✅ Eligible
Ketamine infusion therapy✅ Eligible
Ketone test strips✅ Eligible
Kitchen scales❌ Ineligible

L

Expense Status
Lab fees✅ Eligible
Lactose intolerance medication✅ Eligible
Lap band surgery✅ Eligible
Laser eye surgery✅ Eligible
Laser hair removal❌ Ineligible
Laxatives✅ Eligible
Lead paint removal🧾 Potentially eligible
Lice treatments✅ Eligible
Light therapy✅ Eligible
Lip balm (SPF 15+)✅ Eligible
Lodging for medical care✅ Eligible
Long-term care insurance premiums✅ Eligible
Long-term disability insurance premiums❌ Ineligible
Lumify✅ Eligible

M

Expense Status
Magnifying glasses✅ Eligible
Mammograms✅ Eligible
Massage guns📝 Eligible with LMN
Massage therapy📝 Eligible with LMN
Mastectomies✅ Eligible
Mastectomy bras✅ Eligible
Maternity clothes❌ Ineligible
Maternity support belts✅ Eligible
Meal replacements❌ Ineligible
Medi-Share❌ Ineligible
Medical alert products✅ Eligible
Medical marijuana❌ Ineligible
Medical monitors✅ Eligible
Medical newsletters❌ Ineligible
Medical office visits✅ Eligible
Medicare premiums✅ Eligible
Medicare Supplemental Insurance❌ Ineligible
Medicated shampoo✅ Eligible
Medigap policies❌ Ineligible
Melatonin⚠️ Eligible (LMN Required)
Menopause treatments✅ Eligible
Menstrual care products✅ Eligible
Mental health care✅ Eligible
Metamucil⚠️ Eligible (LMN Required)
Midwife services✅ Eligible
Miralax✅ Eligible
Missed appointment fees❌ Ineligible
Mobility aids✅ Eligible
Mold removal❌ Ineligible
Mole removal🧾 Potentially eligible
Mouthwash❌ Ineligible
MRIs✅ Eligible
Multivitamins📝 Eligible with LMN
The Morning After Pill✅ Eligible

N

Expense Status
N95 masks✅ Eligible
Naproxen✅ Eligible
Nasal aspirators✅ Eligible
Nasal strips✅ Eligible
Nebulizers✅ Eligible
Neti pots✅ Eligible
NMS devices✅ Eligible
Nursing home expenses✅ Eligible
Nursing supplies✅ Eligible
Nutritionists✅ Eligible

O

Expense Status
Occupational therapy✅ Eligible
Operations (medically necessary)✅ Eligible
Oral irrigators❌ Ineligible
Oral rehydration solutions✅ Eligible
Organ donation✅ Eligible
Organ transplants✅ Eligible
Orthodontia wax✅ Eligible
Orthokeratology✅ Eligible
Orthopedic support products✅ Eligible
Osteopathic medical care✅ Eligible
Ostomy supplies✅ Eligible
Otoscopes✅ Eligible
Oura Rings✅ Eligible
Out-of-network services✅ Eligible
Over-the-counter medications✅ Eligible
Ovulation monitors✅ Eligible
Ovulation tests✅ Eligible
Oxygen equipment✅ Eligible

P

Expense Status
Pain relievers✅ Eligible
Panty liners✅ Eligible
Parking fees for medical treatment✅ Eligible
Paternity testing❌ Ineligible
Peak flow meters✅ Eligible
Pedialyte✅ Eligible
Peloton bikes📝 Eligible with LMN
Peloton treadmills📝 Eligible with LMN
Period-proof underwear✅ Eligible
Personal care appliances✅ Eligible
Personal steam inhalers✅ Eligible
Personal trainers📝 Eligible with LMN
PET scans✅ Eligible
Phototherapy✅ Eligible
Physical exams✅ Eligible
Physical therapy✅ Eligible
PICC line covers✅ Eligible
Pill boxes✅ Eligible
Pill cutters✅ Eligible
Plan B✅ Eligible
Platelet-rich plasma treatments📝 Eligible with LMN
Portable oxygen supplies✅ Eligible
Post-op shoes✅ Eligible
Posture aids✅ Eligible
Pregnancy tests✅ Eligible
Prenatal ultrasounds✅ Eligible
Prenatal vitamins✅ Eligible
Prescription copays✅ Eligible
Prescription drugs✅ Eligible
Prescription glasses✅ Eligible
Prescription sunglasses✅ Eligible
Preventative care✅ Eligible
Prosthetic limbs✅ Eligible
Proton pump inhibitors✅ Eligible
Pulse oximeters✅ Eligible

R

Expense Status
Radial keratotomy surgery✅ Eligible
Radon mitigation systems🧾 Potentially eligible
Readers✅ Eligible
Reading glasses✅ Eligible
Reflexology📝 Eligible with LMN
Regenerative medicine treatments📝 Eligible with LMN
Rehab services✅ Eligible
Respiratory treatments✅ Eligible
Retainers✅ Eligible
Rubbing alcohol✅ Eligible

S

Expense Status
Saline nasal spray✅ Eligible
Saunas❌ Ineligible
Scar removal products❌ Ineligible
Sclerotherapy🧾 Potentially eligible
Screening tests✅ Eligible
Seating aids✅ Eligible
Seeing eye dogs✅ Eligible
Service animals✅ Eligible
Sex reassignment surgery✅ Eligible
Sharps containers✅ Eligible
Sitz baths✅ Eligible
Skin cancer screenings✅ Eligible
Skin tag removal🧾 Potentially eligible
Sleep aids✅ Eligible
Sleep deprivation treatment✅ Eligible
Smart watches📝 Eligible with LMN
Smoking cessation products✅ Eligible
Somnoplasty✅ Eligible
Speech therapy✅ Eligible
Sperm storage fees❌ Ineligible
Standing desks❌ Ineligible
Stem cell storage🧾 Potentially eligible
Sterilization procedures✅ Eligible
Stethoscopes✅ Eligible
Stool softeners✅ Eligible
Sublingual immunotherapy✅ Eligible
Substance abuse therapy✅ Eligible
Suction machines✅ Eligible
Sun protective clothing❌ Ineligible
Sunburn ointment✅ Eligible
Sunscreen✅ Eligible
Supplements📝 Eligible with LMN
Suppositories✅ Eligible
Surgical dressings✅ Eligible
Surgical masks✅ Eligible
Surrogates❌ Ineligible
Syringes✅ Eligible

T

Expense Status
Tampons✅ Eligible
Tattoo removal❌ Ineligible
Telehealth services✅ Eligible
TENS machines✅ Eligible
TENS replacement pads✅ Eligible
Test strips✅ Eligible
Theraguns⚠️ Eligible (LMN Required)
Thermometers✅ Eligible
Tooth pain relievers✅ Eligible
Toothbrushes❌ Ineligible
Toothpaste❌ Ineligible
Topical pain relievers✅ Eligible
Topical steroids✅ Eligible
Tourniquets✅ Eligible
Tracheostomy supplies✅ Eligible
Traction equipment✅ Eligible
Transition lenses✅ Eligible
Transplant surgeries✅ Eligible
Travel expenses for medical care✅ Eligible
Treadmills📝 Eligible with LMN
Tricare fees❌ Ineligible

U

Expense Status
Ultrasound devices✅ Eligible
Urgent care visits✅ Eligible
Urinals✅ Eligible
Urinalysis✅ Eligible
Urine test strips✅ Eligible
Urological products✅ Eligible

V

Expense Status
Vaccinations✅ Eligible
Vaginal rejuvenation❌ Ineligible
Vaporizers✅ Eligible
Varicose vein surgery✅ Eligible
Vasectomies✅ Eligible
Vasectomy reversals✅ Eligible
Viagra✅ Eligible

W

Expense Status
Walking aids✅ Eligible
Wart removers✅ Eligible
Water flossers❌ Ineligible
Weight loss programs📝 Eligible with LMN
Weight loss supplements❌ Ineligible
Weight Watchers (WW)⚠️ Eligible (LMN Required)
Weighted blankets❌ Ineligible
Wellness scans✅ Eligible
Wheelchairs✅ Eligible
Whirlpool baths❌ Ineligible
Wigs📝 Eligible with LMN
Wound care products✅ Eligible

X

Expense Status
X-Rays✅ Eligible

Y

Expense Status
Yeast infection medication✅ Eligible
Yoga❌ Ineligible

As seen in

New York Times

HSA Eligibility Guides

🚫
The "No" List: Common Ineligible Expenses

Are you accidentally using your HSA for items the IRS doesn't cover? Avoid penalties with our 2026 guide to commonly confused expenses like mattresses and hygiene products.

⌚
Apple Watches

Apple Watches get more HSA questions than almost any other item. Learn the specific rules for using your HSA and when you might need a Letter of Medical Necessity.

💍
Oura Rings

Oura Rings are a popular fitness tracker, but their HSA eligibility is tricky. We break down the medical requirements for reimbursement.

HSA Essentials

Financial Planning

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HSA Investment Calculator

Compare how an investment grows in an HSA vs traditional retirement accounts like a 401(k) and Roth IRA to maximize your long-term savings.

⚠️
HSA Early Withdrawal Penalty Calculator

Using HSA funds for non-medical expenses before age 65 triggers a steep 20% IRS penalty plus income tax. Use this tool to calculate the true cost of an early withdrawal before you tap into your savings.