HSA Tracking for Families
Between kids' checkups, braces, prescriptions, and your own appointments, family medical expenses add up fast. Track them all in one place.
Sound familiar?
Medical expenses spread across multiple family members are hard to track
Kids' receipts get lost in the chaos of daily life
Spouse's expenses aren't connected to your HSA tracking
No clear picture of total family healthcare spending
How HSA Trackr helps
Add family members and track expenses per person
See total family HSA spending at a glance on your dashboard
AI receipt scanning means no manual data entry after appointments
Track pediatrician visits, orthodontia, glasses, and more
Learn the Shoebox Strategy for Families
Pay out-of-pocket, invest your HSA, reimburse yourself years later tax-free. See how families are using this strategy to turn medical expenses into long-term wealth.
Read the full guideCommon HSA expenses for families
Braces & Orthodontics
$3,000–$8,000 (full treatment)
Prescription Glasses
$100–$600+ per pair
Vaccinations
$0–$300 per vaccine (many covered by insurance)
Annual Physical
$0–$250 (often covered by insurance)
Dental Cleaning
$75–$200 per cleaning
Contact Lenses
$200–$800 per year
Therapy & Counseling
$100–$300 per session
Prescription Medications
Varies widely - $5–$500+ per prescription
Frequently Asked Questions
Can I use my HSA for my spouse and kids?
Yes. Your HSA can pay for qualified medical expenses for you, your spouse, and your tax dependents - even if they're not on your health insurance plan.
Are braces HSA-eligible?
Yes. Orthodontia including braces and Invisalign are HSA-eligible. They're one of the most common family expenses people track, since treatment often spans multiple years.
How do I track which family member had the expense?
HSA Trackr lets you add family members to your account. When you log an expense, you assign it to the right person. Your dashboard shows spending breakdowns by family member.
What about childcare? Is that HSA-eligible?
No. Childcare and daycare are not HSA-eligible expenses. However, your Dependent Care FSA (if you have one) may cover those. HSA covers medical expenses only.
Do both spouses need separate HSA accounts?
No. One spouse can have the HSA and use it to pay for the whole family's medical expenses. However, both spouses can each have their own HSA if they're both enrolled in HDHPs.
Start tracking your HSA today
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