Is Special Telephone Equipment HSA-Eligible? (2026)
Special telephone equipment for a hearing or speech disability is HSA-eligible.
Typical Cost
Varies by TTY, TDD, captioning, or adaptive equipment
Details
Publication 502 includes the cost of special telephone equipment that lets a person who is deaf, hard of hearing, or has a speech disability communicate over a regular telephone. Repair costs for that equipment are also included.
What to do next
Keep the itemized purchase or repair receipt and documentation that the equipment accommodates the hearing or speech disability.
Decision record and source basis
This ruling has a source packet that directly addresses the item or rule below. A product or retailer label does not override the expense purpose, eligibility conditions, or documentation requirement shown above.
Search coverage (5 product and plain-English terms)
adaptive telephone, captioned telephone, speech disability telephone, tdd device, tty device.
- IRS Publication 502: Telephone
Publication 502 includes special telephone equipment and repairs for a person who is deaf, hard of hearing, or has a speech disability.
Source reviewed
- IRS Publication 969: HSA qualified medical expenses
HSA distributions are tax-free only for uncompensated qualified medical expenses incurred after the HSA was established, with supporting records retained.
Source reviewed
Frequently Asked Questions
Is TTY or TDD equipment HSA-eligible?
Yes. Publication 502 directly includes qualifying special telephone equipment and its repairs.
Can you reimburse special telephone equipment years later?
Compare timing assumptions, investment risk, and the records needed to support a later distribution.
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