HSA Vault
2026 IRS Guidelines

HSA Eligible Expenses

Not sure if your medical expense qualifies for HSA spending? Browse our comprehensive list of IRS-qualified expenses for 2026.

Eligible for HSA Spending

Medical

  • Doctor visits & co-pays
  • Hospital services & surgery
  • Lab tests & blood work
  • Physical therapy
  • Mental health counseling
  • Chiropractic care
  • Ambulance services
  • X-rays & imaging

Dental

  • Cleanings & exams
  • Fillings & crowns
  • Root canals
  • Braces & orthodontics
  • Dentures
  • Dental X-rays

Vision

  • Eye exams
  • Prescription glasses
  • Contact lenses & solution
  • LASIK & corrective surgery
  • Reading glasses

Prescriptions & OTC

  • Prescription medications
  • Insulin & diabetic supplies
  • Over-the-counter medications
  • First aid supplies
  • Sunscreen (SPF 15+)
  • Menstrual care products

Generally NOT Eligible

Cosmetic procedures
Gym memberships (without LMN)
Toiletries & general hygiene
Teeth whitening
Hair transplants
Non-prescription supplements (without LMN)

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.

Look Up Specific Expenses

Acupuncture

Read the Full Eligible Expenses Guide

Our in-depth guide covers edge cases, documentation requirements, and the latest 2026 IRS updates.

Track your eligible expenses automatically

HSA Vault uses AI to scan your receipts and categorize expenses — so you always know what's HSA-eligible.

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