Can you use HSA for bras?
Asked by: Julia Kiehn | Last update: January 16, 2026Score: 4.5/5 (23 votes)
Can I use my HSA for deodorant?
Deodorant reimbursement is not eligible 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).
Can I use HSA for menstrual cup?
Are Menstrual Cups HSA Eligible? Yes! The CARES Act has reclassified all period protection, including menstrual cups, as HSA eligible. Please contact your plan administrator for any additional details on period care products that are HSA eligible.
What will HSA not cover?
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. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Can I use my HSA card for hygiene products?
Important update: Due to the passage of the CARES Act, starting January 1, 2020 the following items are eligible: Menstrual care/feminine hygiene products are now reimbursable. Over-the-counter drugs no longer require a prescription to be reimbursed.
Can You Use an HSA for Plastic Surgery?
Can you use HSA 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.
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.
What happens if I accidentally use my HSA card for non-medical expenses?
You can repay the incorrect distribution before filing your federal taxes for that tax year. However, if you do not correct the mistake, the unqualified amount will be subject to income tax, and you may also face an additional 20% tax penalty.
Can I use my HSA for massage?
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 glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)
Are bras HSA eligible?
Nursing bras (those that directly aid lactation, such as a hands-free bra used for pumping), are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
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 my HSA card for sunscreen?
Since sunscreen is a qualified medical expense, you can use your HSA or FSA debit card to make your purchase (at a pharmacy, grocery store, major retailer, etc.). If need be, you can also pay for it out of pocket and get reimbursed.
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.
Can I use HSA on diapers?
As previously mentioned, diapers are not considered qualified medical expenses under the current IRS guidelines. Therefore, attempting to use HSA funds for diapers may result in penalties or tax liabilities.
Can I use my HSA for skincare?
This means that any skin care costs that count towards your deductible, such as prescription medications or dermatologist visits, can be paid for using HSA funds.
Does HSA pay for gym membership?
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 you use HSA for teeth whitening?
Unfortunately, you can not use money from your HSA to cover teeth whitening services. While there are many benefits to white teeth, it is ultimately considered a cosmetic procedure. Any service designed to improve a patient's appearance as opposed to their bodily functions is not an eligible expense.
Does HSA pay for Botox?
Can you use HSA funds to pay for Botox? If you're using Botox for cosmetic purposes like reducing wrinkles or fine lines, it's not considered an HSA-eligible expense. However, Botox may be HSA eligible if it's used to treat a medical condition like chronic migraines, severe muscle spasms, or overactive bladder.
What triggers an HSA audit?
Does HSA spending trigger an audit? The IRS doesn't monitor how you spend your HSA funds throughout the year, but that doesn't mean they won't ask for proof that your expenses were eligible. And if your tax return contains unrelated IRS audit red flags, your risk for an HSA audit could increase.
How does IRS know what you spend HSA on?
When you file form 8889 as part of your tax return you list the amount of the HSA distributions that you received. The IRS also gets a copy of the form 1099-S so they know how much that is. You also list the amount of that money that was used for allowable medical expenses.
What if I accidentally bought food on my HSA?
If you realize you've made a mistake and want to correct it, simply return the money to your HSA and you will avoid the additional penalty. If you do not return the money to your HSA, it will be counted as taxable income, and even worse, you'll have to pay a 20% penalty.
Can I buy deodorant with HSA?
Deodorant reimbursement is not eligible 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).
What is the 12 month rule for HSA?
About the IRS' last-month rule testing period and penalty
It means you must remain eligible for the HSA until December 31 of the following year. The only exceptions are death or disability. If you violate the testing period requirement, your ineligible contributions become taxable income.
Can I use my HSA to pay for my girlfriend?
The only time you can use your HSA to pay for the healthcare costs of a friend is if you have named that person as a dependent on your most recent tax return (provided that they qualify under the non-relative qualifications — detailed below).