Is Pregnancy Delivery a Qualifying HSA Event?

Many people wonder if pregnancy delivery is considered a qualifying event for Health Savings Accounts (HSAs). The short answer is no, pregnancy delivery itself is not a qualifying event for HSA changes or enrollment.

However, there are certain circumstances related to pregnancy that may allow you to make changes or contributions to your HSA:

• **Qualifying Life Events:** While pregnancy delivery alone may not be a qualifying event, certain events related to your pregnancy could be, such as changes in your dependent status.
• **High-Deductible Health Plan (HDHP) Coverage:** If you are adding a new family member due to the pregnancy, you may adjust your HSA contributions to cover the increased healthcare expenses.
• **Medical Expenses:** Costs related to pregnancy, childbirth, and postnatal care are considered eligible medical expenses that can be paid using HSA funds.

It's important to keep in mind that every individual's situation is different, so it's recommended to consult with a tax professional or financial advisor to understand how your specific circumstances may impact your HSA.

Many soon-to-be parents ask whether delivering a baby counts as a qualifying event for their Health Savings Accounts (HSAs). To clarify, the act of delivery itself does not qualify as an event that alters your HSA enrollment or contribution status.