Complete list of eligible HSA expenses for 2021
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.
Please remember that not all health savings accounts are the same, and that you should always check with your HSA administrator or health insurance provider to confirm if something is eligible before making a purchase. A good thing to keep in mind is that if your doctor diagnosed you with a specific condition or ordered a treatment, product, or prescription for you, your HSA should cover it. Again, please check with your HSA administrator if you have any questions about qualified medical expenses.
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? |
---|---|
E-bikes | ❌ No |
Ear drops | 👍 Yes |
Ear piercings | ❌ No |
Ear pinning | ❌ No |
Ear reshaping | ❌ No |
Ear thermometers | 👍 Yes |
Ear wax removal products | 👍 Yes |
Echinacea | ❌ No |
Elastic bandages | 👍 Yes |
Elder care | ❌ No |
Electric bikes | ❌ No |
Electric heating pads | 👍 Yes |
Electric toothbrushes | ❌ No |
Electrolysis | ❌ No |
Electrolyte solutions | 👍 Yes |
Electronic cigarettes | ❌ No |
Electrotherapy | 👍 Yes |
Elevated toilet seats | 👍 Yes |
Elliptical machines | 🤷♂️ Maybe |
Emergency equipment | 👍 Yes |
EMS devices | 👍 Yes |
Emu oil | ❌ No |
Enema kits | 👍 Yes |
Enemas | 👍 Yes |
Energy drinks | ❌ No |
Ensure | ❌ No |
Ephedra | ❌ No |
Epipens | 👍 Yes |
Epsom salt | 👍 Yes |
Erythritol | ❌ No |
Essential oils | ❌ No |
Eucalyptus | ❌ No |
Evening primrose oil | ❌ No |
Ex-Lax | 👍 Yes |
Excedrin | 👍 Yes |
Excedrin PM | 👍 Yes |
Exercise balls | 🤷♂️ Maybe |
Exercise bands | 🤷♂️ Maybe |
Exercise bikes | 🤷♂️ Maybe |
Exercise equipment | 🤷♂️ Maybe |
Expectorants | 👍 Yes |
External pain relief | 👍 Yes |
Extra wide wheelchairs | 👍 Yes |
Eye drops | 👍 Yes |
Eye exams | 👍 Yes |
Eye pressure monitors | 👍 Yes |
Eye surgery | 👍 Yes |
Eyeglasses | 👍 Yes |
Eyelid lifts | ❌ 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 |
Forearm crutches | 👍 Yes |
Forehead lifts | ❌ No |
Forehead thermometers | 👍 Yes |
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 |
Gelatin | ❌ No |
Gender reassignment surgery | 👍 Yes |
Generic prescription drugs | 👍 Yes |
Genetic testing | 🤷♂️ 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 |
Glycolic peels | ❌ No |
Goggles | ❌ No |
Goji berries | ❌ No |
Gold Bond | 👍 Yes |
Grape seed extract | ❌ No |
Green tea | ❌ No |
Gripe water | ❌ 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 |
Inositol | ❌ No |
Insect bite medication | 👍 Yes |
Insect repellant | ❌ No |
Insoles | 👍 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 |
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 |
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 |
Expense | Eligible? |
---|---|
L-arginine | ❌ No |
L-tryptophan | ❌ No |
Lab fees | 👍 Yes |
Labiaplasty | ❌ No |
Laboratory fees | 👍 Yes |
Lactobacillus | ❌ No |
Lamaze classes | 🤷♂️ Maybe |
Lancets | 👍 Yes |
Lanolin | 👍 Yes |
Lap band surgery | 👍 Yes |
Laser eye surgery | 👍 Yes |
Laser hair removal | ❌ No |
Laser peels | ❌ No |
Laser skin resurfacing | ❌ No |
LASIK | 👍 Yes |
Latex gloves | ❌ No |
Lavender | ❌ No |
Laxatives | 👍 Yes |
Lead paint removal | 🤷♂️ Maybe |
Leg bags | 👍 Yes |
Legal abortions | 👍 Yes |
Leucine | ❌ No |
Lice treatments | 👍 Yes |
Licorice root | ❌ No |
Life alert systems | 👍 Yes |
Lifting aids | 👍 Yes |
Light therapy | 👍 Yes |
Lip augmentation | ❌ No |
Lip balm (SPF 15 or higher) | 👍 Yes |
Lip fillers | ❌ No |
Liposuction | ❌ No |
Lipstick | ❌ No |
Lodging for medical care | 🤷♂️ Maybe |
Long-term care insurance premiums | 👍 Yes |
Long-term disability insurance premiums | ❌ No |
Lotion | ❌ No |
Luden's cough drops | 👍 Yes |
Lumbar pillows | 🤷♂️ Maybe |
Lumify | 👍 Yes |
Lutein | ❌ No |
Lycopene | ❌ No |
Expense | Eligible? |
---|---|
N95 masks | ❌ No |
Nail polish | ❌ No |
Nannies | ❌ No |
Naproxen | 👍 Yes |
Nasal aspirators | 👍 Yes |
Nausea medicine | 👍 Yes |
Nebulizers | 👍 Yes |
Needle containers | 👍 Yes |
Neosporin | 👍 Yes |
Neti pots | 👍 Yes |
Neurologists | 👍 Yes |
Nexium | 👍 Yes |
Niacin | ❌ No |
NicoDerm CQ patches | 👍 Yes |
Nicorette gum | 👍 Yes |
Nicotine gum | 👍 Yes |
Nicotine patches | 👍 Yes |
Nipple balm | ❌ No |
Nipple cream | ❌ No |
Nipple shields | 👍 Yes |
Nitrile gloves | ❌ No |
NMS devices | 👍 Yes |
Noni | ❌ No |
Noom | 🤷♂️ Maybe |
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 |
Operations (medically necessary) | 👍 Yes |
Ophthalmologists | 👍 Yes |
Optometrists | 👍 Yes |
Oral irrigators | ❌ No |
Organ donation | 👍 Yes |
Organ transplants | 👍 Yes |
Organic food | ❌ No |
Orthodontia wax | 👍 Yes |
Orthodontists | 👍 Yes |
Orthokeratology | 👍 Yes |
Orthopedic neck supports | 👍 Yes |
Orthopedic shoes | 👍 Yes |
Orthotics | 👍 Yes |
Ostomy bags | 👍 Yes |
Ostomy pouches | 👍 Yes |
Ostomy supplies | 👍 Yes |
Otoplasty | ❌ No |
Out-of-network providers | 👍 Yes |
Out-of-network services | 👍 Yes |
Over-the-counter medications | 👍 Yes |
Ovulation monitors | 👍 Yes |
Ovulation tests | 👍 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 |
Recliner wheelchairs | 👍 Yes |
Recliners | ❌ 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 |
Resistance bands | ❌ No |
Respiratory treatments | 👍 Yes |
Restylane | ❌ No |
Resveratrol | ❌ No |
Retainers | 👍 Yes |
Rhinoplasty | ❌ No |
Rib belts | 👍 Yes |
Riboflavin | ❌ No |
Ricola cough drops | 👍 Yes |
Robitussin | 👍 Yes |
Rogaine | ❌ No |
Rolaids | 👍 Yes |
Rose hip | ❌ No |
Rowing machines | 🤷♂️ Maybe |
Rubbing alcohol | 👍 Yes |
Expense | Eligible? |
---|---|
Tagamet | 👍 Yes |
Tampons | 👍 Yes |
Tanning booths | ❌ No |
Tanning salons | ❌ No |
Tattoo removal | ❌ No |
Tea | ❌ No |
Tea tree oil | ❌ No |
Teeth whitening | ❌ No |
Teeth whitening strips | ❌ No |
Telehealth services | 👍 Yes |
Telemedicine services | 👍 Yes |
Temporary dental repair | 👍 Yes |
TENS machines | 👍 Yes |
TENS replacement pads | 👍 Yes |
Test strips | 👍 Yes |
Thermacare cream | 👍 Yes |
Thermacare HeatWraps | 👍 Yes |
Thermometers | 👍 Yes |
Thiamine | ❌ No |
Throat lozenges | 👍 Yes |
Thunder god vine | ❌ No |
Toilet paper | ❌ No |
Toilet safety rails | 👍 Yes |
Toiletries | ❌ No |
Tom's toothpaste | ❌ No |
Tooth pain relievers | 👍 Yes |
Toothbrushes | ❌ No |
Toothpaste | ❌ No |
Topical steroids | 👍 Yes |
Tourniquets | 👍 Yes |
Tracheostomy supplies | 👍 Yes |
Traction equipment | 👍 Yes |
Transfer aids | 👍 Yes |
Transfer boards | 👍 Yes |
Transfer discs | 👍 Yes |
Transition lenses | 👍 Yes |
Transplant surgeries | 👍 Yes |
Transport wheelchairs | 👍 Yes |
Treadmills | 🤷♂️ Maybe |
Tricare fees | ❌ No |
Truvia | ❌ No |
Tubal ligation | 👍 Yes |
Tucks Medicated Pads | 👍 Yes |
Tuition | ❌ No |
Tummy tuck | ❌ No |
Tums | 👍 Yes |
Turmeric | ❌ No |
Tylenol | 👍 Yes |
Tylenol PM | 👍 Yes |
Expense | Eligible? |
---|---|
Ultrasound devices | 👍 Yes |
Urinals and bedpans | 👍 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 |
Vapor rub | 👍 Yes |
Vaporizers | 👍 Yes |
Varicose vein surgery | 👍 Yes |
Vasectomy | 👍 Yes |
Vasectomy reversal | 👍 Yes |
Vaseline | ❌ No |
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 |
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 |
Wigs | 🤷♂️ Maybe |
Wild yam | ❌ No |
Willow bark | ❌ No |
Witch hazel | ❌ No |
Wound cleansers | 👍 Yes |
Wrinkle creams | ❌ No |
Wrist braces | 👍 Yes |
Expense | Eligible? |
---|---|
X-Rays | 👍 Yes |
Xanthan gum | ❌ No |
Xylitol | ❌ No |
Expense | Eligible? |
---|---|
Yeast infection medication | 👍 Yes |
Yerba mate | ❌ No |
YMCA membership fees | ❌ No |
Yoga | 🤷♂️ Maybe |
Yohimbe | ❌ No |
Expense | Eligible? |
---|---|
Zegerid | 👍 Yes |
Zicam | 👍 Yes |
Zinc | ❌ No |
Zyrtec | 👍 Yes |
Zyrtec-D | 👍 Yes |