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.

Can you reimburse genetic testing years later?

Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.

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)

Paternity Test

$100–$500 (home kit); $300–$500 (legal/court-admissible)

More HSA Resources

What Is an HSA?

Complete guide to Health Savings Accounts and how they work

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

HSA Glossary

Key terms and definitions for Health Savings Accounts

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