Can I Use My HSA for Genetic Testing?

Genetic testing has become increasingly popular in recent years as people seek to learn more about their health and ancestry. Many are wondering whether they can use their Health Savings Account (HSA) to cover the costs of genetic testing. The short answer is - it depends.

Health Savings Accounts are a great tool for saving money on medical expenses, but the IRS has strict guidelines about what is considered a qualified medical expense. While some genetic testing may be eligible for HSA spending, not all tests will qualify.

Here are some key points to consider when thinking about using your HSA for genetic testing:

• Consult with your healthcare provider: Before pursuing genetic testing, it's essential to consult with your healthcare provider to determine if the tests are necessary for your health and well-being.
• Qualifying tests: Certain genetic tests may be considered eligible expenses if they are related to diagnosing or treating a medical condition. Make sure to check with your HSA provider or review the IRS guidelines to confirm eligibility.
• Non-qualifying tests: Some genetic tests that are done for ancestry purposes or general curiosity may not be considered eligible expenses under HSA guidelines.
• Keep detailed records: To ensure compliance with IRS regulations, it's important to keep detailed records of your genetic testing expenses, including receipts and documentation of medical necessity.
• Future benefits: Investing in genetic testing now could potentially lead to preventive care measures based on your genetic predispositions, ultimately saving you money on future healthcare costs.

In conclusion, while it is possible to use your HSA for genetic testing, it is essential to do your research and consult with your healthcare provider to ensure that the tests are medically necessary and qualify as eligible expenses.




As the conversation around genetic testing grows, more individuals are turning to Health Savings Accounts (HSAs) to help manage the costs. It’s crucial to remember that while HSAs can offer financial relief, eligibility for covering genetic tests is largely determined by the purpose of the testing.