What You Can Use Your HSA To Pay For

An eligible expense is defined as those expenses paid for care as described in Section 213 (d) of the Internal Revenue Code. Below are two lists which may help determine whether an expense is eligible.These lists are to serve as a quick reference and are provided to you with the understanding that Olympic Financial Marketing is not engaged in rendering tax advice. For more detailed information, please refer to IRS Publication 502 titled, Medical and Dental Expenses, Catalog Number 15002Q. Publications can be ordered directly from the IRS by calling 1-800-TAX FORM. If tax advice is required, you should seek the services of a competent professional.

Tax Deductible Medical Expenses
(Check with your agent or policy to determine which apply to your insurance deductible)
Abdominal supports
Acupuncture
Air Conditioner (when necessary for relief from difficulty in breathing)
Alcoholism treatment
Ambulance
Anesthetist
Arch Supports
Artificial limbs
Autoette (when used for relief of sickness/disability)
Birth Control Pills (by prescription)
Blood tests
Blood transfusions
Braces
Cardiographs
Chiropractor
Christian Science Practitioner
Contact Lenses
Contraceptive Devices (by prescription
Convalescent home (for medical treatment only)
Crutches
Dental Treatment
Dental X-rays
Dentures
Dermatologist
Diagnostic fees
Diathermy
Drug Addiction therapy
Drugs (prescriptions)
Elastic hosiery (prescription
Eyeglasses
Fees paid to health institute prescribed by a doctor
FICA and FUTA tax paid for medical care services
Fluoridation unit
Guide dog
Gum treatment
Gynecologist
Healing services
Hearing aids and batteries
Hospital bills
Hydrotherapy
Insulin treatment
Lab tests
Lead paint removal
Legal fees
Lodging *away from home for outpatient care)
Metabolism tests
Neurologist
Nursing (including board and meals)
Obstetrician
Operating room costs
Ophthalmologist
Optician
Optometrist
Oral surgery
Organ transplant (including donor’s expense)
Orthopedic shoes
Orthopedist
Osteopath
Oxygen and oxygen equipment
Pediatrician
Physician
Physiotherapist
Podiatrist
Postnatal treatments
Practical nurse for medical services
Prenatal care
Prescription medicines
Psychiatrist
Psychoanalyst
Psychologist
Psychotherapy
Radium Therapy
Registered nurse
Special school costs for the handicapped
Spinal fluid test
Splints
Sterilization
Surgeon
Telephone or TV equipment to assist the hard of hearing
Therapy equipment
Transportation expenses (relative to health care)
Ultra-violet ray treatment
Vaccines
Vasectomy
Vitamins (if prescribed)
Wheelchair
X-rays
Eligible Over-the-Counter Drugs
Antacids
Allergy Medications
Pain relievers
Cold medicine
Anti-diarrhea medicine
Cough drops and throat lozenges
Sinus Medications and Nasal sprays
Nicotine medications and nasal sprays
Pedialyte
First aid creams
Calamine Lotion
Wart removal medication
Antibiotic ointments
Suppositories and creams for hemorrhoids
Sleep aids
Motion sickness pills
Non-Deductible Medical Expenses
Advancement payment for services to be rendered next year
Athletic Club membership
Automobile insurance premium allocable to medical coverage
Boarding school fees
Bottled Water
Commuting expenses of a disabled person
Cosmetic surgery and procedures
Cosmetics, hygiene products and similar items
Funeral, cremation, or burial expenses
Health programs offered by resort hotels, health clubs, and gyms
Illegal operations and treatments
Illegally procured drugs
Non-prescription medications
Premiums for life insurance, income protection, disability, loss of limbs, sight or similar benefits
Scientology counseling
Social activities
Special foods and beverages
Specially designed car for the handicapped other than an autoette or special equipment
Stop-smoking programs
Swimming pool
Travel for general health improvement
Tuition and travel expenses for a problem child to a particular school
Weight loss programs
Ineligible Over-the-Counter Drugs
Toiletries (including toothpaste)
Acne treatments
Lip balm (including Chapstick or Carmex)
Cosmetics (including face cream and moisturizers)
Suntan lotion
Medicated shampoos and soaps
Vitamins (daily)
Fiber supplements
Dietary supplements
Weight loss drugs for general well being
Herbs

Health insurance premiums may not be paid for with HSA funds, unless the plan meets one of these three requirements:

  1. A health plan during any period of continuation coverage required under any federal law.
  2. A qualified long-term care insurance contract.
  3. A health plan during a period in which the individual is receiving unemployment compensation under any Federal or State law.