Can You Use Your HSA for Chiropractic? Understanding HSA Coverage for Chiropractic Services

If you are considering using your Health Savings Account (HSA) to pay for chiropractic services, you might be wondering if it's a qualified expense. The good news is that HSA funds can typically be used for chiropractic care, making it a popular option for those seeking alternative healthcare treatments. Chiropractic services can provide relief for various musculoskeletal issues, such as back pain, neck pain, and headaches, making them a valuable addition to your healthcare options.

Here are some key points to keep in mind when using your HSA for chiropractic services:

  • Chiropractic care is considered a qualified medical expense by the IRS, making it eligible for HSA reimbursement.
  • You can use your HSA funds to pay for chiropractic visits, treatments, and services that are related to a medical condition.
  • It's essential to keep documentation of your chiropractic expenses, including receipts and invoices, to substantiate the use of HSA funds.
  • Some HSA providers may require a letter of medical necessity from your healthcare provider to approve chiropractic expenses.
  • Chiropractic services must be performed by a licensed chiropractor to qualify for HSA reimbursement.

By utilizing your HSA for chiropractic care, you can take advantage of a holistic approach to wellness while managing your healthcare costs effectively. Before scheduling a chiropractic appointment, be sure to check with your HSA provider to understand any specific guidelines or requirements they may have regarding chiropractic services.


If you've been dealing with chronic pain or discomfort, utilizing your Health Savings Account (HSA) for chiropractic treatments can be a great way to invest in your health. Most HSA accounts allow you to use funds for chiropractic services, as they are recognized by the IRS as qualified medical expenses. This means that not only can you get relief from back pain and headaches with chiropractic adjustments, but you can also save money while doing so!

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