HSA-Eligible Medical Expenses (2026)

Chiropractor

$30–$200 per visit

Acupuncture

$75–$200 per session

Physical Therapy

$50–$350 per session

Doctor Visits

$20–$300 per visit (varies by type and insurance)

Urgent Care

$100–$300 per visit

Emergency Room

$500–$3,000+ per visit

Ambulance

$400–$2,000+ (ground); $12,000–$25,000+ (air)

Specialist Visits

$50–$500 per visit

Dermatologist

$100–$400 per visit

Surgery

Varies widely - $1,000–$50,000+

Hospital Stays

$2,000–$10,000+ per day

Anesthesia

$500–$3,500 per procedure

Massage Therapy

$60–$200 per session

Gym Membership

$20–$300+ per month

Personal Training

$50–$150 per session; $400–$1,200+ per month

Cosmetic Surgery

Varies widely - $2,000–$20,000+

Weight Loss Programs

$20–$100/month (programs); $200–$500 (medical programs)

Pregnancy Care

$2,000–$11,000+ (total out-of-pocket for delivery)

Fertility Treatment

$300–$5,000 (IUI); $15,000–$25,000 (IVF per cycle)

Peloton & Exercise Equipment

$1,400–$2,500 (Peloton bike); $30–$50/month (subscription)

Hair Loss Treatment

$15–$50/month (Rogaine/Propecia); $4,000–$15,000 (transplant)

Egg Freezing

$6,000–$15,000 per cycle (plus $500–$1,000/year storage)

Vasectomy

$500–$3,000

Tubal Ligation

$0–$6,000 (often covered by insurance under ACA)

Speech Therapy

$100–$300 per session

Occupational Therapy

$100–$350 per session

Service Animal

$15,000–$50,000+ (purchase/training); $1,000–$3,000/year (maintenance)

Allergy Shots (Immunotherapy)

$20–$100 per visit; $1,500–$4,000/year

Lead Paint Removal

$2,000–$10,000+ depending on scope

Special Education

$5,000–$50,000+ per year

Organ Transplant

$100,000–$1,000,000+ (total; most covered by insurance)

Nursing Home

$5,000–$10,000+ per month

Assisted Living

$3,000–$8,000+ per month

Home Health Care

$25–$75/hour; $150–$500/day

Long-Term Care Insurance Premiums

$1,000–$5,000+ per year (varies by age and coverage)

Breast Reconstruction

$5,000–$50,000+ (often covered by insurance under the Women's Health and Cancer Rights Act)

Dyslexia Treatment

$50–$150/hour (specialized tutoring); $5,000–$30,000/year (specialized schools)

Hair Transplant

$4,000–$15,000+

Hormone Therapy

$30–$300/month depending on type and formulation

Hypnotherapy

$75–$300 per session

In Vitro Fertilization (IVF)

$15,000–$25,000 per fresh cycle; $3,000–$7,000 per frozen transfer

Joint Replacement Surgery

$15,000–$50,000+ (total; varies by insurance coverage)

Lactation Consultant

$100–$350 per visit

Midwife Services

$2,000–$6,000 (total midwife-attended birth)

Nursing Services

$30–$75/hour; $300–$600/day (private duty)

Pediatrician

$20–$300 per visit (varies by type and insurance)

Podiatrist

$50–$400 per visit

Telemedicine & Virtual Visits

$0–$100 per visit (varies by insurance and platform)

Varicose Vein Treatment

$300–$3,000+ per treatment session

Blood Transfusion

$200–$1,500 per unit of blood (varies by type and facility)

Transplant Donor Expenses

Varies widely - typically covered by recipient's insurance, but out-of-pocket costs are HSA-eligible

Medical Conference

$50–$500 (registration/admission)

Medical Records Fees

$10–$75 per request

Medical Transportation

IRS standard medical mileage rate; actual fare costs

Coinsurance & Deductibles

Varies by plan - $1,600–$8,050+ (HDHP deductible range for 2024)

Childbirth & Lamaze Classes

$50–$300 per series

Smoking Cessation Programs

$100–$500 per program

Legal Abortion Care

Varies by provider, procedure, location, and insurance coverage

Christian Science Practitioner

Varies by practitioner and service

Lodging for Medical Care

Limited by federal rules; not the full hotel bill in every case

Osteopath

Varies by provider, service, location, and insurance coverage

Health Institute Treatment

Only physician-prescribed qualifying treatment

Lifetime Care Advance Payments

Only the facility-supported medical-care allocation

Surrogacy Expenses

Unrelated-surrogate costs are not eligible

Funeral and Burial Expenses

Not HSA-eligible

Maternity Clothes

Ordinary maternity clothing is not eligible

Direct Primary Care Membership

Fixed periodic fee; contribution-eligibility thresholds are year-specific

Health Insurance Premiums

Only premiums within a listed federal exception

Nutrition Counseling (Dietitian)

Varies by provider, session length, and insurance coverage

Bariatric Surgery

Varies widely by procedure, facility, and insurance coverage

Laser Hair Removal and Electrolysis

Not HSA-eligible except under the narrow deformity exception

Breast Reduction

Varies by surgeon, facility, and insurance coverage

Septoplasty and Nose Surgery

Varies by procedure, surgeon, facility, and insurance coverage

Childcare and Babysitting

Childcare costs are not HSA-eligible

Swimming and Dance Lessons

Lessons for general health are not eligible

Life Insurance Premiums

Life insurance premiums are not eligible

Disability Insurance Premiums

Disability insurance premiums are not eligible

Trips for General Health

General-health travel is not eligible

Household Help

Household help is not eligible; only a documented nursing-care portion can be