What is an HSA?

A health savings account, or HSA, is a tax-exempt account that allows you to save money to pay for qualified health care expenses. The list below includes just some of the medical expenses that are considered eligible for reimbursement.

Qualified Medical Expenses
Acupuncture
Addiction Counseling
Ambulance Braille Books and Magazines
Breast Pumps and Supplies
Chiropractor Durable Medical Equipment
Face Masks and Other COVID-Protective PPE Fertility Enhancements Guide Dog or Other Service Animal
Hearing Aids
Home Care Hospital Services
Lab Fees
Long-term Care
Midwife
Nursing Services
Oxygen
Physical Therapy
Psychiatric Care
Psychotherapy
Prescription Drugs
Speech Therapy
Sterilization
Surgery
Transplants
Wigs
X-rays
Qualified Dental Expenses
Braces
Bridges
Dental Exams (including X-rays)
Fillings
Fluoride Treatments
Occlusal Guards (to prevent teeth grinding)
Root Canals
Qualified Vision Expenses
Contact Lenses
Eye Exams
Eye Surgery
Eyeglasses
Vision Correction Surgery

What may not be covered

Not all medical, dental and vision expenses are qualified under your HSA. Here are some expenses that are not considered eligible for reimbursement.

Aromatherapy
Babysitting or Child Care
Cosmetic Surgery
Diaper Services
Funeral Expenses
Hair Transplants
Health Club Dues (with a letter of medical necessity)
Health Insurance Premiums
Massage (unless a prescription is presented)
Nutritional Supplements
Personal Use Items
Teeth Whitening
Weight Loss Programs

A complete list of eligible expenses

Be sure to refer to IRS Publication 502, Medical and Dental Expenses for a complete list of all HSA-eligible expenses.