Can I use my HSA card at the eye doctor?
Asked by: Pansy Corkery | Last update: November 28, 2025Score: 4.1/5 (46 votes)
Can HSA be used for eye?
HSA-eligible expenses include eye exams, screenings, glasses, contact lenses, prescription sunglasses and vision surgery from eyecarecenter. It even includes lens perks like UV protection and multifocal and bifocal lenses, as well as contact lens solutions.
Can I use my HSA card for doctor visits?
Generally, qualified expenses include doctor visits, medications, medical equipment, and dental and vision care for you, your spouse and any dependents.
How many pairs of glasses can I buy with HSA?
Are there FSA or HSA purchase limits? No. If you have funds, you can buy as many pairs of prescription glasses, sunglasses, or contact lenses as you like. If you have money saved at the end of the year, make sure you use your FSA for your next glasses or contacts purchase so your money doesn't go to waste.
Can you use HSA to pay dental and vision premiums?
As a general rule, insurance premiums cannot be reimbursed through a flexible spending account (FSA), be it for health, medical or vision insurance. However, depending on how an individual's HSA or HRA are structured, these premiums may be reimbursable through their healthcare plans.
The Benefits of Applying FSA and HSA Funds to LASIK
Does HSA cover vision?
Health savings accounts (HSAs) and flexible spending accounts (FSAs) provide tax advantages that can help you pay for common vision and eye care costs your insurance may not cover. Eligible vision expenses include eye exams, prescription glasses, and contact lenses.
What is the downside of an HSA?
Drawbacks of HSAs include tax penalties for nonmedical expenses before age 65, and contributions made to the HSA within six months of applying for Social Security benefits may be subject to penalties. HSAs have fewer limitations and more tax advantages than flexible spending accounts (FSAs).
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.
Can I put sunglasses on my HSA?
While most non-prescription eyewear is not HSA-eligible, HSA plans do cover sunglasses if they are medically necessary.
Can you 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.
What can I not use my HSA card for?
Other items that aren't eligible include maternity clothes, funeral costs, child care for healthy babies, toiletries, over-the-counter medicine, swimming lessons and elective cosmetic procedures. You also usually can't use HSA money to pay for health insurance premiums unless you meet certain criteria.
Are car seats HSA-eligible?
Car Seats: HSA Eligibility
Car seats are not eligible for reimbursement with a flexible spending account (FSA), limited-purpose flexible spending account (LPFSA), dependent care flexible spending account (DCFSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Are massages covered by HSA?
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.
Are tampons HSA-eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Can I pay for eye surgery with HSA?
You can use an HSA for LASIK and other laser vision correction procedures. Like the FSA, the IRS sets limits on what procedures can be covered by an HSA. Laser vision correction procedures including LASIK, SMILE, and PRK are eligible expenses.
Are toothbrushes HSA-eligible?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Does skincare count for HSA?
Over-the-counter acne and skincare products are now HSA eligible with out the need for a prescription.
Are gym memberships FSA eligible?
The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms. However, the IRS allows FSA funds to be used for paying separate fees charged at health clinics or physical therapy centers for specific activities prescribed by doctors for an individual.
Can I buy moisturizer with my HSA?
Can you use HSA for skin care? Yes, you can use a health saving account (HSA) for skin care, but there are some important factors to consider.
Is the Apple Watch covered by HSA?
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.
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.
Can I use HSA for groceries?
No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.
Do I ever lose my HSA money?
Myth #2: If I don't spend all my funds this year, I lose it. Reality: HSA funds never expire. When it comes to the HSA, there's no use-it-or-lose-it rule. Unlike Flexible Spending Account (FSA) funds, you keep your HSA dollars forever, even if you change employers, health plans, or retire.
Can you make too much money for HSA?
What happens if I contribute more than the IRS annual maximum? If your HSA contains excess or ineligible contributions you will generally owe the IRS a 6% excess-contribution penalty tax for each year that the excess contribution remains in your HSA. It is recommended you speak with a tax advisor for guidance.
Can I withdraw money from my HSA?
When can I withdraw money from my HSA? You can withdraw money at any time if it's used for qualified medical expenses. However, if you withdraw money for other purposes, your withdrawal will be subject to income tax (if the contribution was pre-tax) and a 20% penalty.