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Physical Therapy

Is Physical Therapy HSA Eligible?

HSA Eligible

Physical therapy is HSA eligible. It is explicitly listed in IRS Publication 502 as a qualified medical expense when treating a diagnosed condition or injury.

IRS Reference

IRS Publication 502 includes physical therapy as a qualified medical expense.

Eligibility Conditions

✅ Qualifies

  • Post-surgical rehabilitation
  • Treatment for sports injuries
  • Chronic pain management under physician supervision
  • Neurological rehabilitation
  • Occupational therapy for medical conditions

❌ Does Not Qualify

  • General fitness training labeled as physical therapy
  • Wellness programs without a medical diagnosis

Real-World Examples

✅ Eligible

  • Post-ACL surgery rehabilitation
  • Physical therapy for chronic back pain
  • Stroke rehabilitation
  • Shoulder injury recovery program

❌ Not Eligible

  • General fitness coaching
  • Wellness movement classes without a diagnosis

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Frequently Asked Questions

Is occupational therapy HSA eligible?+
Yes. Occupational therapy for a diagnosed medical condition is HSA eligible under the same rules as physical therapy.
Do I need a doctor’s referral for physical therapy to be HSA eligible?+
A referral is not strictly required by the IRS, but having one strengthens your documentation in the event of an audit.
Can I use my HSA for physical therapy equipment?+
Yes. Equipment prescribed by your physical therapist for home use (resistance bands, TENS units, etc.) is generally HSA eligible.

Related HSA Expenses

Is Chiropractor HSA Eligible?Is Massage Therapy HSA Eligible?Is Acupuncture HSA Eligible?

Related Resources

HSA Tax Savings CalculatorHSA Eligible Expenses GuideHSA vs FSA Comparison

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