Not HSA-Eligible

Is Paternity Test HSA-Eligible? (2026)

Paternity tests are NOT HSA-eligible — they're not considered medical treatment.

Typical Cost

$100–$500 (home kit); $300–$500 (legal/court-admissible)

Details

DNA paternity testing is not a qualified medical expense. While it involves laboratory analysis, the IRS doesn't consider it a medical procedure because it doesn't diagnose, treat, or prevent a disease or medical condition. This applies to both home DNA kits and lab-based legal paternity tests. The test determines a biological relationship, not a medical condition.

Requirements

Not eligible. Paternity testing is not considered medical treatment by the IRS.

Frequently Asked Questions

Is a paternity test HSA-eligible?

No. Paternity DNA tests don't diagnose or treat a medical condition, so they don't qualify.

Related HSA Expenses

Genetic Testing

$100–$2,000+ (medical); $100–$300 (consumer kits — not eligible)

Blood Work & Lab Tests

$50–$500+ depending on tests

Lab Fees

$20–$500+ depending on tests

More HSA Resources

2026 HSA Contribution Limits

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