Look up another expense 🔎

Explore HSA eligibility for other products and services

HSA fast facts

Common HSA providers

  • Bank of America
  • Bend
  • BenefitWallet
  • Blue Cross Blue Shield
  • Cigna
  • Fidelity
  • Fifth Third
  • Further
  • HealthEquity
  • HealthSavings Administrators
  • HSA Authority
  • HSA Bank
  • Lively
  • Optum Bank
  • PNC


Coming up with accurate eligibility status for the list of HSA eligible expenses can be a challenge at times. The IRS only provides a partial list of eligible expenses, so consumers and even insurance companies are left to wonder exactly what products are eligible.

To help illustrate this point, I had a visitor email me to ask if regenerative medicine such as platelet rich plasma (PRP) and stem cell treatments are HSA eligible. I did extensive research and the answer pointed toward "probably not but check with your provider to see if they'll cover it." So I suggested that he consult them for guidance. His response was that he did and even they didn't know!

In a case like that, I would suggest getting a definitive answer in writing from your provider. If you can't get one, the safe choice is to assume it's not eligible and not expense it.

There are also cases where one source says an expense is eligible and another says it's not. In those cases I do my best to research the expense further and come up with an answer that seems most likely for the greatest number of providers.

At any rate, these are the primary sources I use for expense verification. Keep in mind this is not an exhaustive list, and I will frequently check product manufacturer websites for eligibility statuses, as they often will have done their own due diligence if they suspect people may want to use their HSA or FSA to pay for their products and they fall into the uncertain category.

As seen in

New York Times

Popular articles

Oura Rings

Oura Rings are one of the most popular fitness trackers right now, and many people are wondering about their HSA eligibility. The answer might surprise you!

Dental implants

Take charge of your oral health and find out if dental implants eligible for reimbursement with your HSA.

HSA investment calculator

Did you know you might be able to invest the money in your HSA? Compare how an investment will grow in an HSA vs traditional retirement accounts like a 401(k) and Roth IRA.

Surprising eligibility!

Can you pay for lip balm with your HSA? Yes, if it's SPF 15+! Many people are surprised by the items that are HSA eligible. Guess which others made the list!

HSA contribution limits

View contribution limits for 2023 and historical limits back to 2004. Includes contribution limits for both single and married people as well as catch-up contribution amounts (ages 55+).