Is Hair Loss Treatment HSA-Eligible? (2026)
Hair loss treatments like Rogaine are HSA-eligible only with a letter of medical necessity.
Typical Cost
$15–$50/month (Rogaine/Propecia); $4,000–$15,000 (transplant)
Details
Hair loss treatment is a tricky one. Cosmetic hair loss treatment doesn't qualify. But if a doctor diagnoses you with a medical condition causing hair loss (alopecia areata, thyroid-related hair loss, etc.) and prescribes treatment, it can be eligible. Prescription finasteride (Propecia) is eligible with a prescription. OTC minoxidil (Rogaine) needs a letter of medical necessity. Hair transplants are generally considered cosmetic and ineligible.
Requirements
Requires a doctor's diagnosis of a medical condition causing hair loss and a prescription or letter of medical necessity.
Frequently Asked Questions
Is Rogaine HSA-eligible?
Only with a letter of medical necessity from your doctor for a diagnosed medical condition. Cosmetic use doesn't qualify.
Is Propecia (finasteride) HSA-eligible?
Yes, with a prescription. It's a prescription medication, so it qualifies when prescribed for a medical condition.
Is a hair transplant HSA-eligible?
Generally no. The IRS considers hair transplants cosmetic. A rare exception might exist for hair loss from disease or injury.
Related HSA Expenses
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