The following is a summary of common expenses claimed against Health Savings Accounts (HSAs). IRS eligibility updates regularly. This list is not comprehensive and does not guarantee reimbursement. It's meant to serve as a guide only.
For a more thorough list of eligible items and services, The HSA Store maintains an up-to-date list.
Common IRS-qualified medical expenses:
- Acupuncture
- Birth control
- Breast pumps and lactation supplies
- Chiropractor
- Deductible costs
- Dental care
- Doctor’s office visits and co-pays
- Eye exams
- Fertility treatment (including in-vitro fertilization)
- Glucose Monitors and supplies
- Hearing aids and batteries
- Inpatient hospitalization
- Insulin
- Laboratory fees
- Over-the-counter medicine
- Physical therapy
- Prescription medication
- Psychiatric care
- Speech therapy
- Surgery, excluding cosmetic surgery
- Vaccines
- Walking aids
Common over-the-counter (OTC) medicines:
Examples include, but are not limited to:
- Allergy and sinus medicine
- Anti-diarrheal medicine
- Antifungal or anti-itch products
- Cold and flu medicine
- Laxatives or stool softeners
- Lice treatments
- Motion sickness medicines
- Nasal sprays or drops
- Ointments for cuts, burns or rashes
- Pain relievers, such as aspirin or ibuprofen
- Sleep aids