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Can you pay for air conditioners with an HSA?

Are you wondering if you can pay for air conditioners 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.

You may be able to use your HSA to pay for air conditioners, but only if you have a letter of medical necessity.

More details about air conditioners

An air conditioner regulates the temperature and humidity in an indoor space.

While an air conditioner is normally not a medical device, it may be helpful for some people who suffer from allergies or other respiratory diseases. For example, if you have a lung disease and live in a hot climate with poor air quality, an air conditioner would allow you to keep your windows closed and avoid breathing in polluted air.

Disclaimer

Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for air conditioners 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.