What baby costs are covered by HSA?
Asked by: Abdiel Kutch | Last update: December 22, 2025Score: 4.2/5 (48 votes)
Can I use HSA for baby expenses?
Yes, you can use your HSA to cover qualifying medical expenses for yourself, your spouse, and your newborn tax dependent... er... child.
Can I use my HSA to buy baby diapers?
Can you use HSA for diapers? Many individuals wonder if they can tap into their HSA funds to cover the cost of diapers. Unfortunately, as of 2024, the IRS does not consider diapers as a qualified medical expense eligible for HSA reimbursement.
Can I use HSA for baby car seat?
Are car seats FSA/HSA eligible? Car seats are not typically eligible for HSA or FSA reimbursement.
Can I use HSA for baby sitting?
However, babysitting, child care and nursing services for a healthy baby do not qualify as medical care, but may be covered under a dependent care flexible spending account (DCFSA) if specific requirements are met, including that the guardian(s) are enabled to be gainfully employed during the time a qualifying child is ...
New HSA Rules in 2025 You Need to Know
Can I use my HSA to buy a baby monitor?
In general, basic audio or video-only monitors do not qualify for HSA, as they aren't directly related to health monitoring. The IRS defines eligible expenses as those necessary to diagnose, treat, or prevent a medical condition, and traditional baby monitors do not typically fall under these categories.
Is daycare an eligible HSA expense?
Child care is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) and limited-purpose flexible spending account (LPFSA). However, child care is eligible for reimbursement with a dependent care flexible spending account (DCFSA).
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 to buy baby formula?
In conclusion, while HSAs offer tax advantages and flexibility for healthcare expenses, they cannot be used for formula purchases. The IRS guidelines strictly define eligible medical expenses, and formula does not meet the specified criteria.
Can I use my HSA to pay for pet care?
According to the Internal Revenue Service (IRS), expenses incurred for the medical care of a pet generally do not qualify for HSA funds. This includes routine check-ups, vaccinations, and other routine veterinary care.
Is baby lotion covered by HSA?
Lotions and creams
Parents can use their HSA to purchase lotions, ointments, and creams to alleviate baby skin conditions like diaper rash, eczema, and dry skin.
Are condoms HSA eligible?
Condoms are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).
Is Aquaphor covered by HSA?
Ointments. Healing ointments, such as Aquaphor's healing ointment, or intensive healing lotion to treat eczema are now eligible without a prescription.
Are prenatal massages covered by HSA?
Under IRS guidelines, prenatal massage can be a qualified medical expense using a Healthcare Savings Account (HSA) or Flexible Spending Account (FSA) if your healthcare provider recommends it with a written prescription. To find out more, talk with your HSA or FSA administrator and your healthcare provider.
Are swaddles HSA eligible?
While Nanit provides a high number of HSA/FSA eligible products, of our Sleep Wear offerings, only our Breathing Wear is covered by these accounts. Non-Breathing Wear Sleep Wear (PJs, sleep sacks, swaddles) isn't considered a medical or wellness item.
Can I cash out my HSA when I leave my job?
Yes, you can cash out your HSA at any time. However, any funds withdrawn for costs other than qualified medical expenses will result in the IRS imposing a 20% tax penalty. If you leave your job, you don't have to cash out your HSA.
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 you buy baby stuff with HSA card?
But, HSA & FSA coverage extends past paying for the doctor and prescriptions. Tons of baby products and essentials are also covered by your HSA or FSA account. So you can get everything you need for your little one – and mama, too – without breaking the bank.
Can I use HSA for baby Tylenol?
Yes. You can buy OTC medicine such as Tylenol and Tums with your FSA or HSA.
Can I 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 buy diapers with HSA?
Does FSA / HSA Cover Pediatric Diapers? Unfortunately, pediatric diapers like Pampers don't qualify as eligible expenses through an FSA or HSA.
What can you not pay with HSA?
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.
Are electric toothbrushes HSA eligible?
Routine electric toothbrushes for general oral hygiene are usually not eligible.
Does HSA cover babysitting?
Here are some examples of non-qualified HSA expenses: Babysitting or child care (a dependent care FSA can help with child care) Dance or swim lessons (even if recommended by a doctor) Cosmetic procedures (though some exceptions apply)
Can I pay my child's medical bills with my HSA?
I'm enrolled in the High Deductible Health Plan with an HSA for myself only. Can I use my HSA to pay for my spouse, domestic partner, or children's medical expenses? Yes, as long as you use the funds to pay for qualified medical expenses, you can pay for any family member who is a tax dependent on your tax return.