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Is COVID Tests HSA Eligible?

HSA Eligible

COVID-19 diagnostic tests are HSA eligible. This includes rapid home tests and laboratory tests (PCR).

IRS Reference

The IRS issued specific guidance (Announcement 2021-7) confirming COVID-19 tests are qualified medical expenses.

Eligibility Conditions

✅ Qualifies

  • At-home rapid antigen tests
  • PCR laboratory tests
  • Antibody tests (if used for medical diagnosis)

❌ Does Not Qualify

  • Refundable fees for canceled travel related to COVID

Real-World Examples

✅ Eligible

  • BinaxNOW At-Home Test
  • Labcorp PCR test fee
  • Walgreens rapid test

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