HSA-Eligible

Is COVID Test HSA-Eligible? (2026)

COVID-19 tests — both at-home rapid tests and lab PCR tests — are HSA-eligible.

Typical Cost

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

Details

All COVID-19 testing is HSA-eligible. This includes at-home rapid antigen tests (BinaxNOW, iHealth, etc.), PCR tests at labs or clinics, and antibody tests. No prescription needed for any of them. The IRS confirmed this early in the pandemic. Stock up during cold season — they're usually $10–$25 for a two-pack at home, or $0–$150 for lab tests.

Frequently Asked Questions

Are at-home COVID tests HSA-eligible?

Yes. OTC rapid antigen tests are HSA-eligible. No prescription needed.

Are COVID PCR tests HSA-eligible?

Yes. Lab-based PCR and molecular tests are qualified medical expenses.

Are COVID antibody tests HSA-eligible?

Yes. Antibody/serology tests are eligible diagnostic expenses.

Related HSA Expenses

Blood Work & Lab Tests

$50–$500+ depending on tests

Over-the-Counter Medications

$5–$30 per item

Flu & Cold Medicine

$5–$20 per product

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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All Eligible Expenses

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