Is Blood Work & Lab Tests HSA-Eligible? (2026)
Blood tests and laboratory work are HSA-eligible diagnostic expenses.
Typical Cost
$50–$500+ depending on tests
Details
All medically necessary blood tests and lab work are qualified expenses. This includes complete blood counts (CBC), metabolic panels, lipid panels, thyroid tests, A1C tests, STI testing, genetic testing ordered by a doctor, and any other diagnostic blood work.
HSA Tax Savings
A comprehensive blood panel at $300 - HSA saves $66 at the 22% bracket (additional savings via FICA when paid through payroll deduction)
Frequently Asked Questions
Is blood work HSA-eligible?
Yes. All diagnostic blood tests ordered by a physician are HSA-eligible.
Is genetic testing HSA-eligible?
Yes, when ordered by a doctor for medical purposes. Consumer DNA kits for ancestry are not eligible.
Are at-home blood test kits HSA-eligible?
Yes, if the test is for a medical purpose. At-home blood test kits that screen for cholesterol, diabetes, thyroid, or other conditions qualify as diagnostic expenses.
Can you reimburse blood work & lab tests years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
Related HSA Expenses
Annual Physical
$0–$250 (often covered by insurance)
Doctor Visits
$20–$300 per visit (varies by type and insurance)
X-Rays
$100–$1,000 per X-ray
Allergy Testing
$150–$1,000 depending on type and number of allergens tested
Lead Paint Removal
$2,000–$10,000+ depending on scope
Body Scan
$500–$2,500
Paternity Test
$100–$500 (home kit); $300–$500 (legal/court-admissible)
Physical Exam
$50–$300 per exam
Iron Supplements (Prescribed)
$5–$20/month (OTC with LMN); $500–$3,000 (iron infusions)
Blood Transfusion
$200–$1,500 per unit of blood (varies by type and facility)
More HSA Resources
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