HSA-Eligible

Is Physical Therapy HSA-Eligible? (2026)

Physical therapy prescribed by a doctor is an HSA-eligible medical expense.

Typical Cost

$50–$350 per session

Details

Physical therapy sessions prescribed by a physician for injury recovery, post-surgical rehabilitation, chronic pain management, or other medical conditions are fully HSA-eligible. This includes both in-clinic sessions and prescribed home exercise programs supervised by a licensed physical therapist.

Requirements

Must be prescribed by a physician and performed by a licensed physical therapist.

Frequently Asked Questions

Is physical therapy HSA-eligible?

Yes, when prescribed by a doctor and provided by a licensed physical therapist.

Are physical therapy supplies HSA-eligible?

Yes. Resistance bands, braces, and other supplies prescribed as part of PT treatment are eligible.

Related HSA Expenses

Chiropractor

$30–$200 per visit

Acupuncture

$75–$200 per session

Crutches

$20–$100 (crutches); $50–$500+ (walkers/wheelchairs)

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

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