HSA-Eligible Expenses
Not sure if an expense qualifies? Browse our library of detailed guides — each one covers what qualifies, what doesn't, and exactly how to document it.
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Drugstore Essentials
Common over-the-counter purchases that most people don't realize are HSA-eligible.
Is Sunscreen HSA Eligible? SPF Requirements & Documentation
Sunscreen is an HSA-eligible expense only if it is SPF 15 or higher and used for sun protection — not cosmetic purposes like tanning oils or makeup with SPF.
Read the guideAre First Aid Supplies HSA Eligible? Bandages, Gauze & More
Basic first aid supplies are considered qualified medical expenses and are generally eligible.
Read the guideAre Over-the-Counter Medications HSA Eligible? OTC Rules Explained
OTC medications are eligible under current law without a prescription.
Read the guideAre Acne Treatments HSA Eligible? Medicinal vs. Cosmetic
Acne treatments are eligible if they contain medicinal active ingredients.
Read the guideAre Menstrual Products HSA Eligible? Tampons, Pads & Cups
Menstrual care products are considered qualified medical expenses.
Read the guideLMN Traps
Expenses that require a Letter of Medical Necessity — the most commonly disallowed HSA categories.
Is Massage Therapy HSA Eligible? LMN Requirements Explained
Massage therapy is only eligible if it is used to treat a specific medical condition and is supported by a Letter of Medical Necessity (LMN).
Read the guideAre Gym Memberships HSA Eligible? The Hard Truth
Gym memberships and fitness classes are generally not eligible HSA expenses.
Read the guideAre Air Purifiers & Humidifiers HSA Eligible? LMN Requirements
Air purifiers and humidifiers may qualify only if used to treat a diagnosed medical condition.
Read the guideAre Weight Loss Programs HSA Eligible? Criteria & Documentation
Weight loss programs are eligible only if used to treat a specific diagnosed condition (e.g., obesity, hypertension).
Read the guideAre Supplements & Vitamins HSA Eligible? The Real Answer
Supplements and multivitamins are generally not eligible.
Read the guideFamily & Tech
Medical devices, baby gear, and vision expenses — where the line between "medical" and "consumer" matters.
Are Baby Monitors HSA Eligible? Medical vs. Standard Monitors
Basic audio or video baby monitors are not eligible. However, monitors that track medical vitals (such as heart rate or oxygen levels) are generally eligible.
Read the guideAre Breast Pumps HSA Eligible? Pumps, Bags & Supplies
Breast pumps and nursing supplies are considered 100% qualified medical expenses for the purpose of lactation.
Read the guideAre Thermometers & Home Health Tech HSA Eligible?
Thermometers, blood pressure monitors, and other diagnostic home health tools are generally qualified medical expenses.
Read the guideAre Glasses & Contact Lenses HSA Eligible? Vision Expense Guide
Prescription eyewear, including glasses, contact lenses, and even prescription sunglasses, are fully eligible.
Read the guideIs LASIK Eye Surgery HSA Eligible? Big-Ticket Vision Guide
LASIK, PRK, and other vision correction surgeries are fully qualified medical expenses.
Read the guideSpecialty & Dental
Dental work, therapy, travel for care, and other specialized eligible expenses.
Are Orthodontics & Braces HSA Eligible? Payment Plans & Documentation
Orthodontic treatments like braces and aligners (e.g., Invisalign) are qualified medical expenses for yourself or your dependents.
Read the guideIs Therapy & Counseling HSA Eligible? Mental Health Guide
Mental health services provided by a licensed therapist, psychologist, or psychiatrist are fully eligible medical expenses.
Read the guideAre Dental Cleanings & Fillings HSA Eligible? Full Breakdown
Preventative, restorative, and emergency dental care — including cleanings, X-rays, fillings, and crowns — are qualified medical expenses.
Read the guideIs Travel for Medical Care HSA Eligible? Mileage, Parking & Lodging
You can use HSA funds for travel expenses primarily for and essential to receiving medical care.
Read the guideAre Service Animals HSA Eligible? Costs, Training & Documentation
The costs of buying, training, and maintaining a service animal are eligible if the animal is primarily for medical care to alleviate a physical or mental disability.
Read the guideDon't Lose Your Tax-Free Reimbursements
Every receipt you save today is money you can reimburse tax-free later. HSA Vault auto-scans, categorizes, and stores your documentation so you're always audit-ready.