What Can I Charge to My HSA?

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Eligible HSA expenses: major categories

If you have a Health Savings Account (HSA), you may wonder what expenses you can charge to it. Here’s a breakdown of what you can use your HSA funds for:

• Prescription medications
• Doctor’s visits and medical appointments
• Medical tests and screenings
• Hospital fees and surgeries
• Dental work, such as cleanings, fillings, and braces
• Eye care, including glasses, contacts, and vision correction surgery
• Mental health services, therapy, and counseling
• Medical equipment, such as crutches, wheelchairs, or blood pressure monitors
• Smoking cessation programs

Common qualifying expenses and documentation

Remember that the IRS has a list of qualifying medical expenses, so it’s essential to check if your expenses are eligible before using your HSA funds. It’s always a good idea to keep your receipts and documentation for any HSA spending for tax purposes.

Your Health Savings Account (HSA) can be a valuable resource, and understanding what you can charge to it is crucial. Common eligible expenses include:

• Prescription medications that your doctor has prescribed; these are easily covered by your HSA.
• Doctor’s visits, whether for a check-up or to address a specific health issue, can be paid using your HSA funds.
• Medical tests and screenings, such as blood tests, X-rays, and MRIs, are also eligible.
• Hospital stays, emergency room fees, and surgeries can be charged to your HSA, providing financial relief during tough times.
• Dental expenses are often covered as well, including routine cleanings, fillings, and even orthodontic work like braces.
• Eye care services, from routine eye exams to corrective surgeries, can be paid for with HSA funds.
• Mental health services, such as therapy sessions and counseling, are now recognized as eligible expenses, breaking the stigma around mental health.
• Essential medical equipment like crutches, wheelchairs, and the necessary tools for health monitoring are also covered.
• Quitting smoking can be supported through programs funded by your HSA, promoting overall health and wellness.

Be mindful of the IRS guidelines on qualified medical expenses to ensure your purchases align with eligibility criteria. Keeping organized records and receipts is also paramount for hassle-free tax processing.