HSA-Eligible

Is Midwife Services HSA-Eligible? (2026)

Licensed midwife services for prenatal care, labor, and delivery are HSA-eligible.

Typical Cost

$2,000–$6,000 (total midwife-attended birth)

Details

Services from a licensed midwife — certified nurse-midwife (CNM), certified midwife (CM), or certified professional midwife (CPM) — are qualified medical expenses. This includes prenatal care visits, labor and delivery (whether at home, a birthing center, or hospital), and postnatal care. Birthing center facility fees are also eligible.

Frequently Asked Questions

Are midwife services HSA-eligible?

Yes. Licensed midwife care for prenatal, labor, delivery, and postnatal services is fully HSA-eligible.

Is a home birth with a midwife HSA-eligible?

Yes. Home birth costs attended by a licensed midwife are qualified medical expenses.

Related HSA Expenses

Pregnancy Care

$2,000–$11,000+ (total out-of-pocket for delivery)

Breast Pump

$30–$80 (manual); $150–$500 (electric)

Prenatal Vitamins

$10–$40 per month

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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