Not sure if your medical expense qualifies for HSA spending? Browse our comprehensive list of IRS-qualified expenses for 2026.
LMN = Letter of Medical Necessity. Some items may become eligible with a doctor's letter. Always check IRS Publication 502 for the most current guidelines.
Want more detail? Our micro-guide library covers 20 common expense categories with eligibility rules, documentation tips, and audit-risk guidance.
Common over-the-counter purchases that most people don't realize are HSA-eligible.
Expenses that require a Letter of Medical Necessity — the most commonly disallowed HSA categories.
Medical devices, baby gear, and vision expenses — where the line between "medical" and "consumer" matters.
Dental work, therapy, travel for care, and other specialized eligible expenses.
HSA Vault uses AI to scan your receipts and categorize expenses — so you always know what's HSA-eligible.
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