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