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Can you pay for adoption fees with an HSA?

Are you wondering if you can pay for adoption fees with an HSA? You may also be wondering if this item is eligible or ineligible for use with your HSA funds, or if it qualifies for reimbursement.

Yes, you can pay for adoption fees with an HSA.

More details about adoption fees

There are a number of fees many people might not consider when thinking about adopting a child.

Through a private agency, you might expect to pay thousands of dollars of fees toward a home study, court and legal fees, pre-adoption and post-adoption counseling for birth parents, birth parent medical and legal expenses, adoptive parent preparation and training, social work services needed to match a child with a prospective family, interim care for a child, and post-placement supervision until the adoption is finalized.

If you choose to do an independent adoption, fees may include a home study, the birth mother's medical expenses, and separate legal and court fees for representing both adoptive and birth parents.

Regardless of the type of adoption, you should expect to pay upwards of $40,000-$50,000 to adopt a child.


Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for adoption fees with your HSA card before making any purchases.

A good rule of thumb is that if your doctor diagnosed you with a specific medical condition or ordered a treatment, product, or prescription specifically for you, your HSA should cover it. Sometimes your HSA will even cover items that it normally wouldn't if you have a letter of medical necessity signed by your doctor. Again, you should check with your HSA administrator before any purchase if you have any questions about an item being eligible or ineligible.