HSA, Health FSA, and HRA Eligible Expenses

HSA, Health FSA, and HRA Eligible Expenses2021-11-24T13:52:17-05:00

There are thousands of eligible expenses for tax-free purchase with a Health Savings Account (HSA), Flexible Spending Account (FSA), and Health Reimbursement Arrangement (HRA)—including prescriptions, doctor’s office copays, health insurance deductibles, and coinsurance. Many over-the-counter (OTC) treatments are also eligible.

To help you keep track, use our qualified medical expense search tool.

And don’t forget—the easiest and most convenient way to pay for your eligible items is with your payment card! Learn how to unlock the power of your card here.

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FSA Spending Calendar

The CARES ACT gives you more purchasing power!

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was signed into effect, giving Health Savings Account (HSA), Flexible Spending Account (FSA) and Health Reimbursement Arrangement (HRA) participants access to 20K+ additional eligible products including:
  • Over-the-counter (OTC) drugs and medicines like fever reducers and cold remedies no longer require a prescription to be reimbursed through a pre-tax account. So stock up and stay healthy.
  • Menstrual care products like pads, tampons, liners, cup sponge, or similar products are now eligible. This is good news for women everywhere.
Please keep in mind that merchants will need a few weeks to update their systems and inventory with these products. In the meantime, you can submit manual claims for reimbursement if you purchase any of the newly added items. Additionally, since the bill is retroactively effective as of January 1, 2020, you can re-submit previously denied claims for items purchased after this date that are now eligible as part of the CARES Act.

HSA, FSA, and HRA Eligible Expenses

Examples of items generally eligible under HSAs, FSAs, and HRAs:

  • Acupuncture
  • Alcoholism treatment
  • Ambulance
  • Artificial limb
  • Automobile modifications for a physically handicapped person
  • Birth control pills
  • Blood pressure monitoring device
  • Braille books & magazines (above the cost of regular printed material)
  • Chiropractic care
  • Christian Science practitioner
  • COBRA premiums (post tax, HSA & HRA only)
  • Contact lenses & related materials
  • Crutches
  • Dental treatment
  • Dentures
  • Diagnostic services
  • Drug addiction treatment
  • Eye examination
  • Eye glasses & related materials
  • Fertility treatment
  • Flu shot
  • Guide dog or other animal aide
  • Hearing aids
  • Hospital services
  • Immunization
  • Insulin
  • Insurance premiums (post tax, HRA only)
  • Laboratory fees
  • Laser eye surgery
  • Long-term care premiums or expenses (post tax, HSA & HRA only)
  • Medical testing device
  • Nursing services
  • Obstetrical expenses
  • Organ transplant
  • Orthodontia (not for cosmetic reasons)
  • Over-the-counter (OTC) health items*
  • Oxygen
  • Physical exam
  • Physical therapy
  • Prescription drugs
  • Psychiatric care
  • Retiree medical insurance premiums (HSA only)
  • Smoking cessation program
  • Surgery
  • Transportation for medical care
  • Weight loss program necessary to treat obesity
  • Wheelchair

*OTC items that contain a drug or medication require a prescription. Insulin, medical monitoring and testing devices, and other non-medical health items are eligible without a prescription.

For more, see the PDF eligible expenses lists below or the desktop version of this page for a searchable list (coming to mobile displays soon).

View & Download Eligible Expense Lists:

Please keep in mind that your employer might have additional limitations on what can be purchased with your account funds.
See IRS Publication 502 and your plan documents for more information.

Resources & Tools

HSA Overview

How an HSA Works

New to HSAs? Start here to learn the benefits Health Savings Accounts offer.

HSA Administration

FSA Overview

How an FSA Works

Check out this helpful hub of Flexible Spending Account facts and tips.

FSA Administration

HRA Overview

How an HRA Works

Learn how to maximize your Health Reimbursement Arrangement.

HRA Administration

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Get Helpful Tips

Our blog, Connections, is the perfect place to find helpful HSA articles

Read Our Blog

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Access helpful resources to learn more about HSAs, FSAs, and HRAs.

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