HSA-Eligible

Is Birth Control HSA-Eligible? (2026)

Prescription birth control — pills, IUDs, implants, patches, and rings — is HSA-eligible.

Typical Cost

$0–$50/month (pills); $0–$1,300 (IUD insertion)

Details

All FDA-approved prescription contraceptives are HSA-eligible. This includes birth control pills, IUDs (Mirena, Paragard, etc.), Nexplanon implant, NuvaRing, birth control patches, Depo-Provera shots, and diaphragms. Most insurance covers these at $0, but any out-of-pocket costs are eligible. Condoms are also eligible since the CARES Act (see separate entry).

Frequently Asked Questions

Is birth control HSA-eligible?

Yes. All prescription contraceptives — pills, IUDs, implants, patches, rings, shots — are HSA-eligible.

Is IUD insertion HSA-eligible?

Yes. The IUD device, insertion procedure, and follow-up visits are all eligible.

Is Plan B HSA-eligible?

Yes. Emergency contraception like Plan B is an OTC medication and is HSA-eligible.

Related HSA Expenses

Condoms

$5–$20 per box

Prescription Medications

Varies widely — $5–$500+ per prescription

Pregnancy Test

$5–$20 per test

More HSA Resources

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

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