Is Pregnancy Test HSA-Eligible? (2026)
Home pregnancy tests are HSA-eligible since the CARES Act of 2020.
Typical Cost
$5–$20 per test
Details
OTC pregnancy tests became HSA-eligible with the CARES Act of 2020. This includes all home pregnancy test brands - Clearblue, First Response, e.p.t., and store brands. Digital and traditional line tests both qualify. Lab-based pregnancy tests (blood HCG tests at your doctor's office) have always been eligible.
HSA Tax Savings
Pregnancy tests at $5-$20 each - small cost, fully HSA-eligible since CARES Act
Frequently Asked Questions
Are pregnancy tests HSA-eligible?
Yes. Home pregnancy tests are eligible since the CARES Act (2020). No prescription needed.
Is a blood pregnancy test HSA-eligible?
Yes. Lab-based HCG blood tests at your doctor's office are also eligible - those have always qualified.
Can you reimburse pregnancy test years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
Related HSA Expenses
More HSA Resources
FSA vs HSA: Which to Choose
Side-by-side comparison with worked dollar examples for 2026
What Is an HSA?
Complete guide to Health Savings Accounts and how they work
2026 HSA Contribution Limits
See how much you can contribute this year
HSA Tax Benefits by State
Check if your state taxes HSA contributions
HSA Glossary
Key terms and definitions for Health Savings Accounts
Track Pregnancy Test in HSA Trackr
Snap a photo of your receipt and let AI categorize it. Never lose track of an HSA-eligible expense again.
Track Pregnancy Test Now