Is Home Modifications for Disability HSA-Eligible? (2026)
Home modifications for medical accessibility — ramps, grab bars, wider doorways — are HSA-eligible.
Typical Cost
$500–$20,000+ depending on scope
Details
If you modify your home to accommodate a disability or medical condition, the cost can be a qualified medical expense. Eligible modifications include wheelchair ramps, grab bars in bathrooms, widening doorways, lowering cabinets, installing stairway lifts, adding handrails, and modifying fire alarms for hearing impaired. The eligible amount is the cost minus any increase in home value from the modification. Ramps and grab bars rarely increase home value, so the full cost typically qualifies.
Requirements
The modification must be primarily for medical purposes. The eligible amount is the cost minus any increase to the home's value.
Frequently Asked Questions
Are wheelchair ramps HSA-eligible?
Yes. Wheelchair ramps typically don't increase home value, so the full cost is usually eligible.
Are grab bars HSA-eligible?
Yes. Grab bars installed for medical accessibility are eligible medical expenses.
Is a stairlift HSA-eligible?
Yes, but the eligible amount is the cost minus any increase in your home's value.
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