HSA-Eligible

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

Ovulation Test

$10–$30 (test strips); $100–$300 (fertility monitors)

Pregnancy Care

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

Prenatal Vitamins

$10–$40 per month

More HSA Resources

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2026 HSA Contribution Limits

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HSA Tax Benefits by State

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HSA Glossary

Key terms and definitions for Health Savings Accounts

Track Pregnancy Test in HSA Trackr

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