Is Home Health Care HSA-Eligible? (2026)
Home health care services for medical needs are HSA-eligible.
Typical Cost
$25–$75/hour; $150–$500/day
Details
Nursing services and medical care provided in your home are qualified medical expenses. This includes visiting nurses, home health aides providing medical care, physical therapy at home, wound care, IV therapy, and medication management. The services must be medical in nature — help with cooking, cleaning, or general companionship doesn't qualify unless incidental to medical care.
Requirements
Services must be medical in nature. General housekeeping or companionship care is not eligible unless incidental to medical care.
Frequently Asked Questions
Is home health care HSA-eligible?
Yes, when the care is medical in nature. Nursing care, therapy, wound care, and medication management at home all qualify.
Is a home health aide HSA-eligible?
Only for the medical care portion. If the aide also does housekeeping, only the medical time counts.
Related HSA Expenses
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