Conditionally Eligible

Is Genetic Testing HSA-Eligible? (2026)

Medical genetic testing ordered by a doctor is HSA-eligible, but consumer DNA kits for ancestry are not.

Typical Cost

$100–$2,000+ (medical); $100–$300 (consumer kits — not eligible)

Details

There's a big distinction here. Genetic testing ordered by your doctor for medical purposes — like BRCA testing for breast cancer risk, carrier screening during pregnancy, or pharmacogenomic testing — is HSA-eligible. Consumer DNA kits like 23andMe and AncestryDNA that you buy for fun or curiosity? Not eligible. The test needs a medical purpose.

Requirements

Must be ordered by a physician for a medical purpose. Consumer ancestry/entertainment DNA kits are not eligible.

Frequently Asked Questions

Is 23andMe HSA-eligible?

No. Consumer DNA kits for ancestry or general interest aren't medical expenses. A doctor-ordered medical genetic test is different.

Is BRCA testing HSA-eligible?

Yes. BRCA and other medical genetic tests ordered by your doctor are qualified medical expenses.

Related HSA Expenses

Blood Work & Lab Tests

$50–$500+ depending on tests

Pregnancy Care

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

Doctor Visits

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

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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