HSA-Eligible Mental Health Expenses (2026)

Therapy, counseling, psychiatry, and substance abuse treatment.

5 Eligible

2 Conditional

1 Not Eligible

8 items total

Therapy & Counseling

$100–$300 per session

Couples & Marriage Counseling

$100–$250 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)

Legal Fees for Mental Health Treatment

Only the treatment-authorization portion of the legal bill

Psychologist

Varies by provider, service, location, and insurance coverage

Meditation Apps (Calm, Headspace)

Subscription cost is not HSA-eligible for general well-being

Pick the right HSA provider first

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