HSA-FSA Qualifying Medical Expenses

Here is a list of commonly-used expenses you can purchase with your pre-tax HSA or FSA dollars.



The IRS has established a number of qualifying medical expenses for which a Flexible Spending Account (FSA) or Health Savings Account (HSA) could be *used.  If you're looking for ways to use your tax-free money or are just curious, here is a list of the most commonly-used medical expenses:

  • Acupuncture
  • Alcoholism – inpatient treatment (including meals and lodging); also transportation to and from Alcoholics Anonymous meetings
  • Ambulance service
  • Artificial Limbs
  • Artificial Teeth
  • Bandages and medical supplies
  • Birth Control Pills (prescribed by a doctor)
  • Body Scan
  • Braille Books and Magazines for visually impaired persons
  • Breast Pumps and Supplies
  • Chiropractor
  • Christian Science Practitioner
  • Contact Lenses and associated materials (saline solution, enzyme cleaner, etc)
  • Crutches
  • Dental Treatment, including X-rays, fillings, braces, extractions, dentures, and other dental ailments.
  • Diagnostic Devices such as blood sugar test kit for diabetes
  • Drug Addiction, inpatient treatment
  • Eye Exam
  • Eyeglasses
  • Eye Surgery (laser eye surgery or radial keratotomy)
  • Fertility Enhancement (in vitro and reversal of prior surgeries preventing fertility)
  • Guide Dog or Other Service Animal
  • Hearing Aids, including batteries, repairs, and maintenance
  • Hospital Services, including meals and lodging
  • Laboratory Fees
  • Lead-Based Paint Removal
  • Legal Fees necessary to authorize mental illness treatment
  • Osteopath
  • Oxygen and oxygen equipment
  • Pregnancy Test Kit
  • Psychiatric Care
  • Psychoanalysis
  • Psychologist
  • Sterilization (including vasectomy)
  • Stop-Smoking Programs
  • Therapy
  • Transplants – you can include amounts paid for medical care you receive because you are a donor or a possible donor of a kidney or other organ, including transportation
  • Weight-Loss Program as a treatment for a diagnosed disease (obesity, hypertension, or heart disease)
  • Wheelchair
  • Wig for the mental health of a patient who has lost all of his or her hair from disease
  • X-rays

All of these (and more) medical procedures can be paid for with tax-free FSA or HSA contributions and can be expenses for you, your spouse, child, or a “qualifying relative.” To learn what a “qualifying relative” is or to see the full IRS list of medical expenses, please click here.

*If you happen to have both an FSA and an HSA, you may only use your FSA funds to pay for health-related expenses that fall outside of your health plan coverage, such as dental or vision expenses. Please contact us for more information.


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