What Kind of Therapy Qualifies for HSA? - Understanding HSA Eligible Therapies

Health Savings Accounts (HSAs) are a great way to save for medical expenses while enjoying tax benefits. One common question that individuals often have is what kind of therapy qualifies for HSA funds. Understanding which therapies are HSA-eligible can help you make the most out of your account and improve your overall well-being.

Therapies that qualify for HSA funds typically include:

  • Physical Therapy: Treatment to restore physical function and mobility.
  • Occupational Therapy: Helps individuals develop, recover, or improve daily living and work skills.
  • Speech Therapy: Designed to help individuals with communication and swallowing difficulties.
  • Mental Health Therapy: Counseling sessions for emotional and psychological well-being.
  • Acupuncture: Traditional Chinese medicine treatment involving the insertion of needles.

It's important to note that not all therapies may qualify for HSA funds, so it's best to consult with a tax professional or refer to the IRS guidelines for a comprehensive list of eligible expenses.


Health Savings Accounts (HSAs) offer an incredible opportunity to not only save money but also to utilize those funds for various health-related therapies that promote physical and mental well-being. If you’re wondering about the types of therapy that qualify for HSA funds, you’re in the right place!

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