HSA Guide
What Qualifies as Medical Expenses for HSA?
Published October 6, 2024
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When it comes to health savings accounts (HSAs), it's essential to understand what expenses qualify as medical expenses. Qualified medical expenses are defined by the IRS as those primarily for the prevention or alleviation of physical or mental health issues. Here are some common medical expenses that are eligible for HSA funds:
- Doctor's visits
- Prescription medications
- Hospital and surgical expenses
- Dental care
- Vision care
- Mental health services
- Laboratory fees
- Chiropractic services
Additional examples of qualified medical care
Additionally, some over-the-counter items like bandages, pregnancy test kits, and even sunscreen with a high SPF may be considered eligible expenses with a prescription from a healthcare provider.
Health Savings Accounts (HSAs) allow you to set aside money for medical expenses, but understanding what qualifies as a medical expense under IRS guidelines is crucial. Qualified medical expenses are primarily aimed at preventing, diagnosing, or treating health conditions. Examples include:
OTC items with prescriptions for HSA use
- Routine check-ups with your doctor
- Prescription drugs prescribed by your healthcare provider
- Hospital stays and surgical operations
- Dental treatments such as cleanings and fillings
- Vision-related costs, including eye exams and glasses
- Counseling and therapy for mental health issues
- Testing and laboratory fees
- Services provided by chiropractors
Moreover, itâs worth noting that some over-the-counter products like first aid supplies, pregnancy tests, and high-SPF sunscreen can also be purchased with HSA funds if you obtain a prescription from your doctor.