HSA-Eligible Mental Health Expenses (2026)

Therapy, counseling, psychiatry, and substance abuse treatment.

4 Eligible

4 items total

Therapy & Counseling

$100–$300 per session

Psychiatrist

$150–$500 per visit

Substance Abuse Treatment

$5,000–$30,000+ per program

Drug Addiction Treatment

$5,000–$50,000+ (inpatient); $1,000–$10,000 (outpatient programs)

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Your provider decides whether your HSA compounds tax-free or sits in a savings account. Compare the two providers long-term investors actually use.