This is the internet's first and only complete list of both HSA-eligible and ineligible expenses. Bookmark this page so you can always spend your HSA funds in the smartest way possible.
Special Note: As part of the 2020 CARES Act, over-the-counter medications and menstrual care products are now eligible for purchase with health savings accounts (HSAs), flexible spending accounts (FSAs), and health reimbursement arrangements (HRAs). This list includes products like allergy medication, pain relievers, prenatal vitamins, and tampons.
| Expense | Eligible? |
|---|---|
| 23andMe ancestry testing | ❌ No |
| 5-HTP | ❌ No |
| Expense | Eligible? |
|---|---|
| Face lifts | ❌ No |
| Face wash | ❌ No |
| Facial tissues | ❌ No |
| Female breast reduction | 🤷♂️ Maybe |
| Feminine hygiene products | 👍 Yes |
| Feminine pain relief products | 👍 Yes |
| Fenugreek | ❌ No |
| Fertility monitors | 👍 Yes |
| Fertility tests | 👍 Yes |
| Fertility treatments | 👍 Yes |
| Fever strips | 👍 Yes |
| Feverfew | ❌ No |
| Fiber | 👍 Yes |
| Field trips | ❌ No |
| Finger cots | 👍 Yes |
| Finger splints | 👍 Yes |
| First aid cream | 👍 Yes |
| First aid kits | 👍 Yes |
| First aid supplies | 👍 Yes |
| Fish oil | ❌ No |
| Fisherman's Friend cough drops | 👍 Yes |
| Fitbits | 🤷♂️ Maybe |
| Fitness club fees | ❌ No |
| Fitness programs | ❌ No |
| Fitness trackers | 🤷♂️ Maybe |
| Flaxseed | ❌ No |
| Flaxseed oil | ❌ No |
| Fleet enemas | 👍 Yes |
| Flonase | 👍 Yes |
| Flu shots | 👍 Yes |
| Fluoride rinses | 🤷♂️ Maybe |
| Fluoride treatments | 👍 Yes |
| Foam dressings | 👍 Yes |
| Folate | ❌ No |
| Folic acid | ❌ No |
| Food | ❌ No |
| Foot massagers | ❌ No |
| Forearm crutches | 👍 Yes |
| Forehead lifts | ❌ No |
| Forehead thermometers | 👍 Yes |
| Fraxel skin resurfacing | ❌ No |
| Fuel for medical care | 👍 Yes |
| Funeral expenses | ❌ No |
| Expense | Eligible? |
|---|---|
| GABA | ❌ No |
| Gait belts | 👍 Yes |
| Garlic | ❌ No |
| Gas relief medication | 👍 Yes |
| Gas-X | 👍 Yes |
| Gastric bypass surgery | 👍 Yes |
| Gauze | 👍 Yes |
| Gaviscon | 👍 Yes |
| Gelatin | ❌ No |
| Gender reassignment surgery | 👍 Yes |
| Generic prescription drugs | 👍 Yes |
| Genetic testing | 🤷♂️ Maybe |
| Geri chairs | 🤷♂️ Maybe |
| Gift cards | ❌ No |
| Ginger | ❌ No |
| Ginkgo | ❌ No |
| Ginseng | ❌ No |
| Glasses | 👍 Yes |
| Glucerna | ❌ No |
| Glucosamine | 👍 Yes |
| Glucose monitoring kits | 👍 Yes |
| Glucose monitoring supplies | 👍 Yes |
| Glucose monitors | 👍 Yes |
| Glutamine | ❌ No |
| Gluten-free foods | ❌ No |
| Glycine | ❌ No |
| Glycolic peels | ❌ No |
| Goggles | ❌ No |
| Goji berries | ❌ No |
| Gold Bond | 👍 Yes |
| Grape seed extract | ❌ No |
| Green tea | ❌ No |
| Gripe water | ❌ No |
| Groceries | ❌ No |
| Grooming aids | 👍 Yes |
| Guar gum | ❌ No |
| Guarana | ❌ No |
| Guide dogs | 👍 Yes |
| Gym equipment | 🤷♂️ Maybe |
| Gym membership fees | ❌ No |
| Gynecological exams | 👍 Yes |
| Gynecologists | 👍 Yes |
| Gynecomastia surgery | 🤷♂️ Maybe |
| Expense | Eligible? |
|---|---|
| Ibuprofen | 👍 Yes |
| Ice packs | 👍 Yes |
| Icy Hot cream | 👍 Yes |
| Icy Hot patches | 👍 Yes |
| Ileostomy supplies | 👍 Yes |
| Illegal drugs | ❌ No |
| Immunizations | 👍 Yes |
| Immunotherpy | 👍 Yes |
| Imodium | 👍 Yes |
| Imodium AD | 👍 Yes |
| In vitro fertilization (IVF) | 👍 Yes |
| Incentive spirometers | 👍 Yes |
| Incontinence pads | 👍 Yes |
| Incontinence supplies | 👍 Yes |
| Incontinence underwear | 👍 Yes |
| Infertility treatment | 👍 Yes |
| Infrared saunas | ❌ No |
| Inositol | ❌ No |
| Insect bite medication | 👍 Yes |
| Insect repellant | ❌ No |
| Insoles | 👍 Yes |
| InstaClear nasal strips | 👍 Yes |
| Insulin | 👍 Yes |
| Insulin pumps | 👍 Yes |
| Insulin supplies | 👍 Yes |
| Insurance premiums | ❌ No |
| Inversion tables | 🤷♂️ Maybe |
| Invisalign | 👍 Yes |
| Iodine (supplement) | ❌ No |
| Iodine (topical) | 👍 Yes |
| Irish Spring soap | ❌ No |
| Iron | ❌ No |
| Isoleucine | ❌ No |
| Isopropyl alcohol | 👍 Yes |
| IV equipment | 👍 Yes |
| IV stands | 👍 Yes |
| Ivory soap | ❌ No |
| Expense | Eligible? |
|---|---|
| Jackfruit | ❌ No |
| Jenny Craig | 🤷♂️ Maybe |
| Joint pain medication | 👍 Yes |
| Joint supplements | 👍 Yes |
| Jojoba oil | ❌ No |
| Juvederm | ❌ No |
| Expense | Eligible? |
|---|---|
| K-Y Jelly | ❌ No |
| Kaopectate | 👍 Yes |
| Kava | ❌ No |
| Kenalog injections | ❌ No |
| Ketamine infusion therapy | 🤷♂️ Maybe |
| Ketone test strips | 👍 Yes |
| Kettlebells | 🤷♂️ Maybe |
| Kinesiology | 👍 Yes |
| Kinesiology tape | 👍 Yes |
| Kitchen scales | 🤷♂️ Maybe |
| Kleenex | ❌ No |
| Knee braces | 👍 Yes |
| Knee wraps | 👍 Yes |
| Kola nut | ❌ No |
| Kombucha | ❌ No |
| Krill oil | ❌ No |
| Kybella | ❌ No |
| Expense | Eligible? |
|---|---|
| N95 masks | ❌ No |
| Nail polish | ❌ No |
| Nanit baby monitors | 👍 Yes |
| Nannies | ❌ No |
| Naproxen | 👍 Yes |
| Nasal aspirators | 👍 Yes |
| Nasal strips | 👍 Yes |
| NasalCEASE | 👍 Yes |
| Nausea medicine | 👍 Yes |
| Nebulizers | 👍 Yes |
| Needle containers | 👍 Yes |
| NeilMed Sinugators | 👍 Yes |
| Neosporin | 👍 Yes |
| Nervive | ❌ No |
| Neti pots | 👍 Yes |
| Neurologists | 👍 Yes |
| NeurOptimal | 🤷♂️ Maybe |
| Nexium | 👍 Yes |
| Niacin | ❌ No |
| NicoDerm CQ patches | 👍 Yes |
| Nicorette gum | 👍 Yes |
| Nicotine gum | 👍 Yes |
| Nicotine patches | 👍 Yes |
| Nighttime underwear | 👍 Yes |
| Nipple balm | ❌ No |
| Nipple cream | ❌ No |
| Nipple shields | 👍 Yes |
| Nitrile gloves | ❌ No |
| Nizoral | 👍 Yes |
| NMS devices | 👍 Yes |
| Noni | ❌ No |
| Noom | 🤷♂️ Maybe |
| Nootropics | ❌ No |
| Norplant insertion | 👍 Yes |
| Norplant removal | 👍 Yes |
| Nose jobs | ❌ No |
| Nursing bras | ❌ No |
| Nursing home expenses | 👍 Yes |
| Nursing pads | 👍 Yes |
| Nutrasweet | ❌ No |
| Nutrisystem | 🤷♂️ Maybe |
| Nutritionists | 🤷♂️ Maybe |
| Nyquil | 👍 Yes |
| Expense | Eligible? |
|---|---|
| OB/GYN visits | 👍 Yes |
| Obstetritians | 👍 Yes |
| Occupational therapy | 🤷♂️ Maybe |
| Omega-3 fatty acids | ❌ No |
| Omega-6 fatty acids | ❌ No |
| Oncologists | 👍 Yes |
| oogiebears | 👍 Yes |
| Operations (medically necessary) | 👍 Yes |
| Ophthalmologists | 👍 Yes |
| Optometrists | 👍 Yes |
| Oral irrigators | ❌ No |
| Oral-B electric toothbrushes | ❌ No |
| Organ donation | 👍 Yes |
| Organ transplants | 👍 Yes |
| Organic food | ❌ No |
| Organifi | ❌ No |
| Orthodontia wax | 👍 Yes |
| Orthodontists | 👍 Yes |
| Orthokeratology | 👍 Yes |
| Orthopedic neck supports | 👍 Yes |
| Orthopedic shoes | 🤷♂️ Maybe |
| Orthotics | 👍 Yes |
| Osteo Bi-Flex | 👍 Yes |
| Ostomy bags | 👍 Yes |
| Ostomy pouches | 👍 Yes |
| Ostomy supplies | 👍 Yes |
| Otoplasty | ❌ No |
| Otoscopes | 👍 Yes |
| Oura Rings | 🤷♂️ Maybe |
| Out-of-network providers | 👍 Yes |
| Out-of-network services | 👍 Yes |
| Over-the-counter medications | 👍 Yes |
| Ovulation monitors | 👍 Yes |
| Ovulation tests | 👍 Yes |
| Owlet baby monitors | 👍 Yes |
| Owlet Smart Socks | 👍 Yes |
| OXY 10 cream | 👍 Yes |
| Oxygen equipment | 👍 Yes |
| Expense | Eligible? |
|---|---|
| Q-Tips | ❌ No |
| Quercetin | ❌ No |
| Expense | Eligible? |
|---|---|
| Radial keratotomy surgery | 👍 Yes |
| Radon mitigation systems | 🤷♂️ Maybe |
| Raspberry ketones | ❌ No |
| Readers | 👍 Yes |
| Reading glasses | 👍 Yes |
| Recliners | 🤷♂️ Maybe |
| Reclining lift chairs | 🤷♂️ Maybe |
| Reclining wheelchairs | 👍 Yes |
| Recreational marijuana | ❌ No |
| Rectal thermometers | 👍 Yes |
| Red clover | ❌ No |
| Red yeast rice | ❌ No |
| Reflexology | 🤷♂️ Maybe |
| Regenerative medicine treatments | 🤷♂️ Maybe |
| Rehab services | 👍 Yes |
| Rehydration solutions | 👍 Yes |
| Reishi mushrooms | ❌ No |
| Relizen | ❌ No |
| Resistance bands | ❌ No |
| Respiratory treatments | 👍 Yes |
| Restylane | ❌ No |
| Resveratrol | ❌ No |
| Retainers | 👍 Yes |
| Revaree | ❌ No |
| Rhinoplasty | ❌ No |
| Rib belts | 👍 Yes |
| Riboflavin | ❌ No |
| Ricola cough drops | 👍 Yes |
| Ristela | ❌ No |
| Robitussin | 👍 Yes |
| Rogaine | ❌ No |
| Rolaids | 👍 Yes |
| Rose hip | ❌ No |
| Rowing machines | 🤷♂️ Maybe |
| Rubbing alcohol | 👍 Yes |
| Expense | Eligible? |
|---|---|
| Ubiquinol | ❌ No |
| Ultrasound devices | 👍 Yes |
| Urgent care visits | 👍 Yes |
| Urinals | 👍 Yes |
| Urinalysis | 👍 Yes |
| Urine test strips | 👍 Yes |
| Urological care | 👍 Yes |
| Urostomy pouches | 👍 Yes |
| Used needle containers | 👍 Yes |
| UV protective clothing | ❌ No |
| Expense | Eligible? |
|---|---|
| Vacations | ❌ No |
| Vaccinations | 👍 Yes |
| Vaginal rejuvenation | 🤷♂️ Maybe |
| Valerian root | ❌ No |
| Vanquish | 👍 Yes |
| Vapor rub | 👍 Yes |
| Vaporizers | 👍 Yes |
| Varicose vein surgery | 👍 Yes |
| Vasectomies | 👍 Yes |
| Vasectomy reversals | 👍 Yes |
| Vaseline | ❌ No |
| Vazalore | 👍 Yes |
| Vegetables | ❌ No |
| Veneers | ❌ No |
| Veterinary fees | ❌ No |
| Vicks VapoInhalers | 👍 Yes |
| Vicks VapoRub | 👍 Yes |
| Vicks VapoShower tablets | 👍 Yes |
| Vicks VapoSteam liquid | 👍 Yes |
| Visine | 👍 Yes |
| Vitamin A | ❌ No |
| Vitamin B1 | ❌ No |
| Vitamin B12 | ❌ No |
| Vitamin B2 | ❌ No |
| Vitamin B3 | ❌ No |
| Vitamin B5 | ❌ No |
| Vitamin B6 | ❌ No |
| Vitamin B7 | ❌ No |
| Vitamin B9 | ❌ No |
| Vitamin C | ❌ No |
| Vitamin D | ❌ No |
| Vitamin E | ❌ No |
| Vitamin K | ❌ No |
| Vitamins | ❌ No |
| Viviscal | ❌ No |
| Expense | Eligible? |
|---|---|
| Walkers | 👍 Yes |
| Walking aids | 👍 Yes |
| Warranties | ❌ No |
| Wart removers | 👍 Yes |
| Washable nursing pads | 👍 Yes |
| Water flossers | ❌ No |
| Waterpiks | ❌ No |
| Weight benches | ❌ No |
| Weight loss programs | 🤷♂️ Maybe |
| Weight loss supplements | ❌ No |
| Weight plates | ❌ No |
| Weight Watchers (WW) | 🤷♂️ Maybe |
| Weighted blankets | ❌ No |
| Weightlifting products | ❌ No |
| Weights | ❌ No |
| Wellness scans | 👍 Yes |
| Wheelchairs | 👍 Yes |
| Whey protein | ❌ No |
| Whirlpool baths | ❌ No |
| Whitening strips | ❌ No |
| Whitening toothpaste | ❌ No |
| Whoop Straps | 🤷♂️ Maybe |
| Wigs | 🤷♂️ Maybe |
| Wild yam | ❌ No |
| Willow bark | ❌ No |
| Witch hazel | ❌ No |
| Wound cleansers | 👍 Yes |
| Wrinkle creams | ❌ No |
| Wrist blood pressure monitors | 👍 Yes |
| Wrist braces | 👍 Yes |
| Expense | Eligible? |
|---|---|
| X-Rays | 👍 Yes |
| Xanthan gum | ❌ No |
| Xylitol | ❌ No |
| Xyzal | 👍 Yes |
| Expense | Eligible? |
|---|---|
| Yeast infection medication | 👍 Yes |
| Yerba mate | ❌ No |
| YMCA membership fees | ❌ No |
| YO sperm tests | 👍 Yes |
| Yoga | 🤷♂️ Maybe |
| Yohimbe | ❌ No |
| Expense | Eligible? |
|---|---|
| Zantac | 👍 Yes |
| Zarifa Z-Smart massage guns | 🤷♂️ Maybe |
| Zegerid | 👍 Yes |
| Zicam | 👍 Yes |
| Zinc | ❌ No |
| Zyrtec | 👍 Yes |
| Zyrtec-D | 👍 Yes |