Can you use HSA on mental health apps?
Asked by: Braden Leuschke | Last update: June 4, 2025Score: 4.2/5 (65 votes)
Can you use HSA funds for mental health services?
Can I use my HSA for therapy? Yes. You can use an HSA to cover some mental health expenses, including therapy to treat a diagnosed mental condition. However, therapy that isn't specifically designed for medical or mental health needs — like marriage or family counseling — often won't qualify for HSA coverage.
Can HSA be used for calm app?
Can I use HSA/FSA to pay for other Calm products beyond annual memberships? No, only the Calm Premium annual plan is eligible for reimbursement via HSA/FSA funds. Monthly or lifetime plans, gift cards, and other products are not eligible.
Can HSA be used for online therapy?
The good news is mental health therapy, including virtual appointments, is an HSA eligible expense. You can use your HSA to directly pay for your sessions or you can pay out of pocket and reimburse yourself to get your tax savings later.
Can I use my HSA to pay for BetterHelp?
While they do not accept insurance, they do accommodate HSA/FSA payments and offer discounts for those facing financial constraints. Messaging your therapist is included in the cost, and BetterHelp provides valuable resources such as documents and live webinars at no extra charge.
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Can I use my HSA to pay for massage therapy?
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 you use HSA to pay for Talkspace?
Even if you don't have a health insurance plan that covers mental health services, Talkspace is still more affordable than most co-pays for in-person therapy. You can also pay with an FSA/HSA card, if you have one.
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.
Can I use my HSA for online purchases?
HSA cards cover a wide array of healthcare expenses, including medical, dental, and vision care, in-person and online. HSA non-eligible expenses typically include cosmetic procedures, general health products, gym memberships, and certain over-the-counter medications without a prescription.
Is headspace HSA eligible?
We accept all major debit and credit cards and HSA cards. How can I change or update my credit card information? To update your credit card information in the Headspace Care app, go to the payment tab, select "Payment Method" and enter your updated credit card information.
Are fitness apps HSA-eligible?
In most cases, fitness expenses require a Letter of Medical Necessity (LOMN) to qualify for HSA/FSA spending. This means that the fitness app must be considered essential for treating, monitoring, or preventing a specific health condition and the expense would not have been incurred but for the condition.
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 my HSA for melatonin?
Melatonin may be eligible with a Letter of Medical Necessity for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA).
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.
Can HSA be used for wellness?
The IRS doesn't allow individuals with an HRA, HSA, or FSA to pay for general health and wellness expenses unless the service or item treats a specific medical condition noted by a doctor. Unlike other wellness benefits—like health stipends—HRAs, HSAs, and FSAs don't cover general wellness expenses.
How do therapists accept HSA?
You can accept payment by swiping your clients' HSA debit card through your credit card reader, as you would a credit card. Or by providing a Super Bill for clients to submit to their fund.
How does IRS know what you spend HSA on?
Verification of expenses is not required for HSAs. However, total withdrawals from your HSA are reported to the IRS on Form 1099-SA. You are responsible for reporting qualified and non-qualified withdrawals when completing your taxes.
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?
Generally, HSAs cover treatments that are considered medically necessary, and massages are no exception.
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 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 you pay for Peloton with HSA?
The partnership will make it easier for qualified US-based Peloton customers to use pre-tax Health Savings Account (HSA)/Flexible Spending Account (FSA) dollars to purchase applicable Peloton products, saving customers up to 40% off their purchase.
Can I use my HSA for mental health?
You can use your flexible spending account (FSA) or health savings account (HSA) to offset the cost of mental healthcare by saving money on taxes. Most mental health services — like counseling, prescription-only medications, and treatment for substance use disorder — can be paid for with FSA and HSA tax-free funds.
Is BetterHelp therapy HSA eligible?
BetterHelp is recognized as an eligible expense by most FSA/HSA providers. For questions surrounding eligibility of this service, account holders should contact their FSA administrator.
Is there a therapist you can text?
Send your Talkspace therapist as many messages as you'd like, to share your thoughts or feelings and what's going on in your life. You can send text, video, or audio messages. Your Talkspace therapist will reply to your message within a day or two, five days per week.