Which Products Are HSA-Eligible?
Common HSA-Eligible Expenses ✅
🔎 Quick Answer: To see what products you can purchase with your HSA, visit 👉 HSA Qualified Expenses List
Here are a few:
✔ Doctor-prescribed medications
✔ Medical supplies (e.g., bandages, thermometers, first-aid kits)
✔ Over-the-counter (OTC) medications (without a prescription, post-2020 CARES Act)
✔ Menstrual care products
✔ Vision expenses (eyeglasses, contact lenses, eye exams)
✔ Dental treatments (cleanings, fillings, braces)
🚨 Non-Eligible Expenses 🚫
❌ Cosmetic procedures (Botox, teeth whitening)
❌ Gym memberships or fitness programs
❌ General health items (vitamins, supplements)
How to Check if a Product Is Covered
✅ Step 1: Use an HSA-Compatible Store
- Online retailers like Amazon HSA Store tag HSA-eligible products.
✅ Step 2: Consult the IRS Guidelines
- The IRS provides a full list of HSA-qualified expenses in Publication 502.
✅ Step 3: Keep Your Receipts
- Always save receipts & documentation in case of an IRS audit.
FAQs: HSA Coverage & Eligible Expenses
📌 Do I need a prescription for OTC medications?
✔ No! As of 2020, the CARES Act allows you to use HSA funds for OTC meds without a doctor’s prescription.
📌 Can I use my HSA for vitamins or supplements?
✔ Only if a doctor prescribes them for a medical condition. Otherwise, general supplements are NOT HSA-eligible.
📌 What happens if I use my HSA for a non-qualified expense?
🚨 If you accidentally use HSA funds for a non-eligible product, you’ll owe income tax on the amount plus a 20% penalty (unless you’re over 65).
Find Out If Your Purchase is HSA-Eligible!
💡 Check your HSA balance before purchasing.
💡 Use an HSA-linked debit card to track expenses.
💡 Visit the IRS and HSA for America for full coverage details.