Can HSA be used for hair loss treatment?

Asked by: Melissa Hudson  |  Last update: July 22, 2025
Score: 4.8/5 (21 votes)

Your ability to use pre-tax funds from your flexible spending account (FSA) or your health savings account (HSA) to pay for hair loss treatments is limited. You can't use these funds to pay for anything used to promote hair regrowth, since this is considered a cosmetic treatment rather than a qualified medical expense.

Is hair removal covered by HSA?

Hair Removal: HSA Eligibility

Hair removal is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Is Nutrafol covered by HSA for hair loss?

No, Nutrafol is not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). It is classified as a general health and haircare product, which does not meet the criteria for medical necessity under IRS guidelines and SIGIS standards.

Can I use my HSA for HIMs?

What is eligible for reimbursement? The full amount of your GLP-1 injectable or oral weight loss medication kit is considered a medical expense eligible for reimbursement through your FSA (Flexible Savings Account) and HSA (Health Savings Account).

Can I use my HSA for cosmetic treatments?

Unfortunately, no. Procedures like facials and microderm abrasion that are deemed cosmetic are also seen as not medically necessary and are therefore, do not qualify for HSA use.

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Can I use my HSA for dermatology?

Luckily, you can use your HSA account to pay for dermatological visits, but knowing what's covered at the dermatologist first is important. You don't want to spend hundreds of dollars only to realize that the expense was not qualified and you cannot reimburse yourself from your HSA.

Can HSA pay for gym membership?

Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.

Are hair loss treatments HSA eligible?

Hair loss treatments/Rogaine® - Reimbursable when prescribed by a physician for a specific medical condition, but not for cosmetic purposes (that is, to stimulate hair growth). Medical diagnosis is required. Hair Transplant - Service is only covered when submitted with a medical diagnosis.

Is the Apple Watch HSA eligible?

Why other fitness trackers don't qualify. Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.

What can I not use my HSA for?

Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease.

Is hair loss treatment covered by health insurance?

Unfortunately, in most cases hair loss treatments are not covered by insurance. Since hair loss doesn't affect your daily activity like a medical injury or illness would, it is considered a cosmetic procedure and not covered.

Can HSA be used for PRP hair treatment?

Leveraging Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) You can use these funds to pay for your PRP treatments if you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA).

Can I use my HSA to buy shampoo and conditioner?

10 Costs Your HSA Won't Cover

Funeral expenses. Hair transplants. Personal hygiene items: conditioner, deodorant, lotion, mouthwash, shampoo, and toothpaste. Teeth whitening.

Can I use my HSA for minoxidil?

No, Minoxidil is not eligible for reimbursement through a Flexible Spending Account (FSA) or Health Savings Account (HSA). Hair growth treatments, such as Minoxidil, Rogaine, or Nutrafol are classified as cosmetic products rather than medically necessary items under IRS guidelines.

Is laser treatment covered by HSA?

Can you use HSA for laser skin treatment? Many people wonder if laser skin treatment qualifies as an eligible expense under HSA regulations. The answer, fortunately, is yes. HSA funds can be used to cover the cost of laser skin treatment.

Is Nutrafol HSA eligible for hair loss?

Q: Is this product FSA eligible

At this time, Nutrafol supplements are not part of the Amazon HSA/FSA store. Currently, most dietary supplements are not covered by HSA/FSA plans.

Can I use HSA for Peloton membership?

Yes. You can pay with a credit or debit card through Truemed and submit a reimbursement request to your HSA/FSA plan administrator for up to the amount you have available in your HSA/FSA account. You cannot split payments between HSA/FSA card and credit/debit card.

Can you use HSA to buy a treadmill?

For a treadmill to be eligible for reimbursement, it must be used to treat or prevent a specific disease, including hypertension or obesity.

Can I buy Gatorade with HSA?

You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.

What are the options for female hair loss?

There are various treatment options for female hair loss or female pattern baldness, including topical medications such as Rogaine. Other options include light therapy, hormone therapy, or, in some cases, hair transplants. Eating a nutritious diet and maintaining a healthy lifestyle can also help keep hair healthy.

Is gym membership HSA eligible?

Gym memberships are generally not considered qualified medical expenses under IRS guidelines. While physical fitness is important, gym memberships are typically viewed as personal or recreational expenses rather than a medical necessity. So using HSA funds for them could result in taxes and penalties.

Can I use my HSA for massages?

Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.

Can I use HSA for vitamins?

In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.

Can I use HSA for dental?

Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.