HSA-Eligible Lab Tests & Diagnostics Expenses (2026)

Blood work, X-rays, MRIs, CT scans, and other diagnostic testing.

10 Eligible

2 Conditional

1 Not Eligible

13 items total

Blood Work & Lab Tests

$50–$500+ depending on tests

X-Rays

$100–$1,000 per X-ray

MRI

$500–$3,000 per scan

CT Scan

$300–$3,000 per scan

COVID Test

$10–$25 (at-home rapid); $0–$150 (lab PCR)

Genetic Testing

$100–$2,000+ (medical); $100–$300 (consumer kits - not eligible)

Allergy Testing

$150–$1,000 depending on type and number of allergens tested

Body Scan

$500–$2,500

Lab Fees

$20–$500+ depending on tests

Paternity Test

$100–$500 (home kit); $300–$500 (legal/court-admissible)

Ultrasound

$100–$1,000 depending on type

Hearing Test (Audiometry)

$50–$250 per evaluation

Sleep Study

Varies by setting (in-lab or home test), provider, and insurance coverage

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