HSA-Eligible

Is Heating Pad HSA-Eligible? (2026)

Heating pads — electric, microwavable, and chemical — are HSA-eligible medical supplies.

Typical Cost

$10–$80

Details

All types of heating pads used for pain relief or medical treatment are qualified medical expenses. Electric heating pads, microwavable heat packs, adhesive heat wraps (ThermaCare), and infrared heating pads all qualify. No prescription needed. They're commonly used for back pain, menstrual cramps, muscle pain, and arthritis.

Frequently Asked Questions

Is a heating pad HSA-eligible?

Yes. All types of heating pads for pain relief are HSA-eligible. No prescription needed.

Are ThermaCare heat wraps HSA-eligible?

Yes. Disposable adhesive heat wraps like ThermaCare are eligible medical supplies.

Related HSA Expenses

Hot & Cold Packs

$5–$50

First Aid Supplies

$5–$50 per item

Over-the-Counter Medications

$5–$30 per item

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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