Understand Your HSA

HSA eligibility rules have you confused? You're not alone. End the confusion today with the internet's most comprehensive list of HSA-eligible expenses.


A--B--C--D--E--F--G--H--I--J--K--L--M--N--O--P--Q--R--S--T--U--V--W--X--Y--Z

A

Expense Eligible?
Abortions✅ Yes
Acetaminophen✅ Yes
Acne medicine✅ Yes
Acupressure✅ Yes
Acupressure supplies✅ Yes
Acupuncture✅ Yes
Adaptive equipment✅ Yes
Adult day care❌ No
Air conditioners📝 Maybe
Air purifiers📝 Maybe
Alcohol wipes✅ Yes
Alcoholism treatment programs✅ Yes
Allergy medication✅ Yes
Allergy testing✅ Yes
Ambulance care✅ Yes
Analgesics✅ Yes
Anesthesia services✅ Yes
Annual physical exams✅ Yes
Antacids✅ Yes
Anti-nausea medication✅ Yes
Antibiotic ointments✅ Yes
Antibiotics✅ Yes
Antidepressants✅ Yes
Antidiarrheal medication ✅ Yes
Antifungal cream✅ Yes
Antihistamines✅ Yes
Apple Watches📝 Maybe
Arthritis gloves✅ Yes
Arthritis medication✅ Yes
Artificial insemination✅ Yes
Artificial sweeteners❌ No
Aspirin✅ Yes
Assisted living expenses❌ No
At-home drug tests❌ No
Autoinjectors✅ Yes

B

Expense Eligible?
Baby breathing monitors✅ Yes
Baby products❌ No
Baby sunscreen✅ Yes
Bandages✅ Yes
Bariatric surgery✅ Yes
Bathing aids✅ Yes
Bathroom scales📝 Maybe
Batteries for medical devices✅ Yes
Bed pans✅ Yes
Bed rails✅ Yes
Bicycles📝 Maybe
Birth control pills✅ Yes
Blood glucose monitors✅ Yes
Blood glucose testing✅ Yes
Blood glucose testing supplies✅ Yes
Blood pressure monitors✅ Yes
Blood storage📝 Maybe
Blood tests✅ Yes
Blue light glasses📝 Maybe
Body fat calipers❌ No
Body scans✅ Yes
Braces✅ Yes
Breast implant removal📝 Maybe
Breast milk storage products✅ Yes
Breast MRIs✅ Yes
Breast reconstruction after cancer✅ Yes
Breastfeeding pillows❌ No
Breathing trainers✅ Yes

C

Expense Eligible?
Cancer screenings✅ Yes
Car modifications📝 Maybe
Carpal tunnel treatment✅ Yes
Cataract surgery✅ Yes
Catheters✅ Yes
CBD products❌ No
Chelation therapy📝 Maybe
Childbirth✅ Yes
Childbirth classes📝 Maybe
Children's sunscreen✅ Yes
Chiropractic treatments📝 Maybe
Chiropractor visits📝 Maybe
Cholesterol test kits✅ Yes
Christian Science practitioners✅ Yes
Circulation machines📝 Maybe
Circumcision✅ Yes
Clear aligners✅ Yes
COBRA premiums✅ Yes
Cochlear implants✅ Yes
Cold medicine✅ Yes
Cold packs✅ Yes
Cold sore medication✅ Yes
Collagen dressings✅ Yes
Collagen injections📝 Maybe
Cologuard✅ Yes
Colonoscopies✅ Yes
Colostomy supplies✅ Yes
Commode parts✅ Yes
Commodes✅ Yes
Compression products✅ Yes
Concierge medicine membership fees❌ No
Condoms✅ Yes
Contact lens supplies✅ Yes
Contact lenses✅ Yes
Contraceptives✅ Yes
Controlled substances❌ No
Copays✅ Yes
Cord blood storage📝 Maybe
Corn removers✅ Yes
Corneal keratotomy surgery✅ Yes
Coronary calcium scans✅ Yes
Cosmetic procedures❌ No
Cotton balls❌ No
Cotton swabs❌ No
Cough drops✅ Yes
COVID-19 tests✅ Yes
CPAP supplies✅ Yes
CPR classes❌ No
Craniosacral therapy📝 Maybe
Cryotherapy📝 Maybe
Crystalens surgery✅ Yes
CT scans✅ Yes

D

Expense Eligible?
Dandruff shampoo📝 Maybe
Decongestants✅ Yes
Defibrillators✅ Yes
Dental floss❌ No
Dental picks❌ No
Dental procedures✅ Yes
Denture supplies✅ Yes
Dentures✅ Yes
DEXA scans✅ Yes
Diabetic support products✅ Yes
Diaper rash cream✅ Yes
Diet pills❌ No
Dilation and curettage (D&C)✅ Yes
Direct primary care fees✅ Yes
Disinfecting wipes❌ No
Disposable gloves✅ Yes
Donor breast milk📝 Maybe
Douche❌ No
Doula services📝 Maybe
Dressing aids✅ Yes
Drug addiction treatment✅ Yes
Drug overdose treatment✅ Yes

E

Expense Eligible?
Ear drops✅ Yes
Ear wax removal products✅ Yes
Earplugs📝 Maybe
EEG biofeedback📝 Maybe
Egg freezing✅ Yes
Elder care❌ No
Electric massagers❌ No
Electronic cigarettes❌ No
Electrotherapy✅ Yes
Emergency equipment✅ Yes
Emergency room visits✅ Yes
EMS devices✅ Yes
Enemas✅ Yes
Epipens✅ Yes
Epsom salt✅ Yes
Erectile dysfunction medications✅ Yes
Exercise bikes📝 Maybe
Exercise equipment📝 Maybe
Eye drops✅ Yes
Eye exams✅ Yes
Eye pressure monitors✅ Yes
Eye surgery✅ Yes

F

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

G

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

H

Expense Eligible?
Hair regrowth products❌ No
Hand sanitizer📝 Maybe
Handicap license plates✅ Yes
Headache medicine✅ Yes
Health insurance premiums❌ No
Hearing aid batteries✅ Yes
Hearing aid maintenance✅ Yes
Hearing aid repairs✅ Yes
Hearing aids✅ Yes
Hearing tests✅ Yes
Heart rate monitors✅ Yes
Heart scans✅ Yes
Heating pads✅ Yes
Hemorrhoid cream✅ Yes
Herbal supplements❌ No
Hernia supports✅ Yes
Home diagnostics✅ Yes
Home oxygen supplies✅ Yes
Hormone replacement therapy✅ Yes
Hospital beds✅ Yes
Hospital food for caregivers❌ No
Hospital food for patients✅ Yes
Hospital visits✅ Yes
Hot packs✅ Yes
Hot tubs❌ No
Hotel expenses for medical care✅ Yes
Human growth hormone (HGH)📝 Maybe
Human guides✅ Yes
Humidifiers❌ No
Hydrogen peroxide✅ Yes
Hydrotherapy📝 Maybe
Hyperbaric oxygen therapy📝 Maybe
Hypnosis📝 Maybe
Hysterectomies✅ Yes

I

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

J

Expense Eligible?
Joint pain medication✅ Yes

K

Expense Eligible?
Kenalog injections❌ No
Ketamine infusion therapy📝 Maybe
Ketone test strips✅ Yes
Kitchen scales📝 Maybe

L

Expense Eligible?
Lab fees✅ Yes
Lactose intolerance medication✅ Yes
Lap band surgery✅ Yes
Laser eye surgery✅ Yes
Laxatives✅ Yes
Lead paint removal📝 Maybe
Lice treatments✅ Yes
Light therapy✅ Yes
Lip balm (SPF 15+)✅ Yes
Lodging for medical care📝 Maybe
Long-term care insurance premiums✅ Yes
Long-term disability insurance premiums❌ No

M

Expense Eligible?
Magnifying glasses✅ Yes
Mammograms✅ Yes
Massage guns📝 Maybe
Massage therapy📝 Maybe
Mastectomies✅ Yes
Mastectomy bras✅ Yes
Maternity clothes❌ No
Maternity support belts✅ Yes
Meal replacements❌ No
Medi-Share❌ No
Medical alert products✅ Yes
Medical marijuana❌ No
Medical monitors✅ Yes
Medical newsletters❌ No
Medical office visits✅ Yes
Medicare premiums✅ Yes
Medicare Supplemental Insurance❌ No
Medicated shampoo📝 Maybe
Medigap policies❌ No
Menopause treatments✅ Yes
Menstrual care products✅ Yes
Mental health care✅ Yes
Midwife services✅ Yes
Missed appointment fees❌ No
Mobility aids✅ Yes
Mold removal❌ No
Mole removal📝 Maybe
Mouthwash❌ No
MRIs✅ Yes
Multivitamins❌ No
The Morning After Pill✅ Yes

N

Expense Eligible?
N95 masks❌ No
Naproxen✅ Yes
Nasal aspirators✅ Yes
Nasal strips✅ Yes
Nebulizers✅ Yes
Neti pots✅ Yes
NMS devices✅ Yes
Nursing home expenses✅ Yes
Nursing supplies✅ Yes
Nutritionists📝 Maybe

O

Expense Eligible?
Occupational therapy📝 Maybe
Operations (medically necessary)✅ Yes
Oral irrigators❌ No
Oral rehydration solutions✅ Yes
Organ donation✅ Yes
Organ transplants✅ Yes
Orthodontia wax✅ Yes
Orthokeratology✅ Yes
Orthopedic support products✅ Yes
Osteopathic medical care✅ Yes
Ostomy supplies✅ Yes
Otoscopes✅ Yes
Oura Rings✅ Yes
Out-of-network services✅ Yes
Over-the-counter medications✅ Yes
Ovulation monitors✅ Yes
Ovulation tests✅ Yes
Oxygen equipment✅ Yes

P

Expense Eligible?
Pain relievers✅ Yes
Panty liners✅ Yes
Parking fees for medical treatment✅ Yes
Paternity testing❌ No
Peak flow meters✅ Yes
Peloton bikes📝 Maybe
Peloton treadmills📝 Maybe
Period-proof underwear✅ Yes
Personal care appliances✅ Yes
Personal steam inhalers✅ Yes
Personal trainers📝 Maybe
PET scans✅ Yes
Phototherapy✅ Yes
Physical exams✅ Yes
Physical therapy✅ Yes
PICC line covers✅ Yes
Pill boxes✅ Yes
Pill cutters✅ Yes
Plan B✅ Yes
Platelet-rich plasma treatments📝 Maybe
Portable oxygen supplies✅ Yes
Post-op shoes✅ Yes
Posture aids✅ Yes
Pregnancy tests✅ Yes
Prenatal ultrasounds✅ Yes
Prenatal vitamins✅ Yes
Prescription copays✅ Yes
Prescription drugs✅ Yes
Prescription glasses✅ Yes
Prescription sunglasses✅ Yes
Preventative care✅ Yes
Prosthetic limbs✅ Yes
Proton pump inhibitors✅ Yes
Pulse oximeters✅ Yes

R

Expense Eligible?
Radial keratotomy surgery✅ Yes
Radon mitigation systems📝 Maybe
Reflexology📝 Maybe
Regenerative medicine treatments📝 Maybe
Rehab services✅ Yes
Respiratory treatments✅ Yes
Retainers✅ Yes
Rubbing alcohol✅ Yes

S

Expense Eligible?
Saline nasal spray✅ Yes
Saunas❌ No
Scar removal products❌ No
Sclerotherapy📝 Maybe
Screening tests✅ Yes
Seating aids✅ Yes
Seeing eye dogs📝 Maybe
Service animals✅ Yes
Sex reassignment surgery✅ Yes
Sharps containers✅ Yes
Sitz baths✅ Yes
Skin cancer screenings✅ Yes
Skin tag removal📝 Maybe
Sleep aids✅ Yes
Sleep deprivation treatment✅ Yes
Smart watches📝 Maybe
Smoking cessation products✅ Yes
Somnoplasty✅ Yes
Speech therapy✅ Yes
Sperm storage fees❌ No
Standing desks❌ No
Stem cell storage📝 Maybe
Sterilization procedures✅ Yes
Stethoscopes✅ Yes
Stool softeners✅ Yes
Sublingual immunotherapy✅ Yes
Substance abuse therapy✅ Yes
Suction machines✅ Yes
Sun protective clothing❌ No
Sunburn ointment✅ Yes
Sunscreen✅ Yes
Supplements❌ No
Suppositories✅ Yes
Surgical dressings✅ Yes
Surgical masks❌ No
Surrogates❌ No
Syringes✅ Yes

T

Expense Eligible?
Tampons✅ Yes
Tattoo removal❌ No
Telehealth services✅ Yes
TENS machines✅ Yes
TENS replacement pads✅ Yes
Test strips✅ Yes
Thermometers✅ Yes
Tooth pain relievers✅ Yes
Toothbrushes❌ No
Toothpaste❌ No
Topical pain relievers✅ Yes
Topical steroids✅ Yes
Tourniquets✅ Yes
Tracheostomy supplies✅ Yes
Traction equipment✅ Yes
Transition lenses✅ Yes
Transplant surgeries✅ Yes
Travel expenses for medical care✅ Yes
Treadmills📝 Maybe
Tricare fees❌ No

U

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

V

Expense Eligible?
Vaccinations✅ Yes
Vaginal rejuvenation📝 Maybe
Vaporizers✅ Yes
Varicose vein surgery✅ Yes
Vasectomy reversals✅ Yes

W

Expense Eligible?
Walking aids✅ Yes
Wart removers✅ Yes
Water flossers❌ No
Weight loss programs📝 Maybe
Weight loss supplements❌ No
Weighted blankets❌ No
Wellness scans✅ Yes
Wheelchairs✅ Yes
Whirlpool baths❌ No
Wigs📝 Maybe
Wound care products✅ Yes

X

Expense Eligible?
X-Rays✅ Yes

Y

Expense Eligible?
Yeast infection medication✅ Yes
Yoga📝 Maybe

As seen in

New York Times

HSA Eligibility Guides

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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.

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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.

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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.