Can you use HSA for laser hair removal?
Asked by: Madge Rowe | Last update: January 9, 2026Score: 4.5/5 (72 votes)
Does my HSA cover laser hair removal?
Laser hair removal is considered to be an eligible expense under a Health Savings Account (HSA) according to the latest guidelines. HSAs are tax-advantaged accounts that individuals can contribute to in order to pay for medical expenses.
Does laser hair removal count as a medical expense?
If the laser hair removal is for medical reasons,it is covered. If it is for cosmetic reasins,it is not covered.
What cosmetic procedures are covered by HSA?
You typically can't use health savings account (HSA) funds to pay for cosmetic surgery tax-free if the procedure is done only to improve appearance. However, if a procedure serves a medical purpose, such as correcting a deformity from an injury or treating a health condition, it may be HSA eligible.
What hair loss treatment is HSA approved?
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).
HSA Laser Hair Removal
Can I use my HSA for gym membership?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Is laser hair removal FSA eligible?
Laser hair removal reimbursement is considered a cosmetic procedure and therefore 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 ( ...
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 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.
Can I 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.
How to get laser hair removal covered by insurance?
An insurance company will only provide coverage for laser hair reduction if they have sufficient reason to consider it a medically necessary procedure. To increase the chance of having your claim approved, ask your doctor to advocate on your behalf.
What disqualifies you from laser hair removal?
2- Certain medical conditions
Individuals with certain medical conditions such as active skin infections, herpes simplex virus (HSV) outbreaks in the treatment area, lupus, diabetes, or a history of keloid scarring may not be suitable candidates for laser hair removal.
Is laser hair removal considered cosmetic?
Additionally, the U.S. Food and Drug Administration considers these home laser hair removal devices to be cosmetic, not medical, which means they don't get the same level of scrutiny as other medical devices.
Can I use my HSA for laser lipo?
Cosmetic Procedures: FSA and HSA Eligibility
Generally, cosmetic procedures are ineligible unless the treatment or procedure is medically necessary. However, some cases are taken into consideration if the cosmetic treatment is meant to improve a personal injury, congenital abnormality or disfiguring disease.
What can an HSA not be used 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. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Is laser hair removal a qualified medical expense?
Procedures such as face-lifts, hair transplants, hair removal (electrolysis), and liposuction generally are not deductible.
Can I use HSA for skin laser 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.
Can I buy tampons with HSA?
Yes! Thanks to the CARES Act, tampons are now considered a “medical expense.” That means you can use pre-tax income to pay for them through your HSA. More questions about tampons?
Can I use my HSA at Sephora?
A wide variety of over-the-counter healthcare products and treatments are eligible for FSA and HSA spending at Sephora and on Sephora.com. Including: Sunscreens with SPF 15+, acne treatments, acne preventions, medicated skin treatments, blue light therapy masks, and prenatal vitamins.
Can I pay for gym membership with HSA?
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.
Does HSA pay for Botox?
Botox injections are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).
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 shaving items HSA eligible?
Shaving cream or lotion are never eligible for reimbursement as they are personal health products.
Can I use my HSA for acne treatments?
You can use your HSA or FSA to put your best face forward. Because acne is considered a medical problem and not a cosmetic problem, you can purchase acne cleansers, gel and creams, even at-home light therapy kits with your benefits debit card. Use it, too, for visits to a dermatologist to assess or treat acne.
Are diapers HSA eligible?
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.