ED Treatment · IRS Pub 502

Is Hims for ED HSA-Eligible?

Yes. Prescription sildenafil and tadalafil from Hims qualify as medical expenses under IRS Pub 502. Hims accepts HSA and FSA cards at checkout, and the clinical visit fee is also eligible.

By Will MatherReviewed May 25, 20265 min read

Short answer

Prescription ED medications dispensed by Hims fall under the IRS prescription-medicines rule in Publication 502. Both the consultation and the medication are HSA-eligible. The IRS does not treat ED treatment as cosmetic - erectile dysfunction is a recognized medical condition, and FDA-approved treatments for it qualify the same way other prescription medications do.

The IRS rule, verbatim

Erectile dysfunction (sildenafil, tadalafil)

HSA-eligible (prescription required)

“You can include in medical expenses amounts you pay for prescribed medicines and drugs.”
Source: IRS Pub 502, Medicines

Sildenafil and tadalafil are FDA-approved prescription medications for erectile dysfunction (a recognized medical condition). The IRS prescription-medicines rule applies whether you fill the prescription at a brick-and-mortar pharmacy or through a telehealth provider like Hims. Pub 502 does not single out ED treatment as cosmetic or excluded.

Typical Hims pricing: $25-$199/month depending on dose and quantity

Generic ED meds cost a fraction of branded

Branded Viagra retails around $90 per 100mg tablet. Generic sildenafil prescribed through Hims runs $2 to $5 per dose. Both are equally HSA-eligible under the prescription-medicines rule, but the HSA tax shield gets stretched much further on the generic.

~$30/mo

Hims generic sildenafil

$2,000+/yr

Branded Viagra (without insurance)

Watch out for

Requires a valid prescription from a licensed clinician (Hims includes a virtual consultation that issues the prescription as part of the service).
Keep the prescription record and pharmacy receipt. The visit fee and the medication cost are both eligible.
If you also receive non-prescription supplements bundled in the order, separate those out - only the prescription medication and clinical visit are HSA-eligible.

Primary source

IRS Publication 502 lists prescription medicines as qualified medical expenses. Read it at irs.gov.

Frequently asked questions

Is Hims ED treatment HSA-eligible?▼

Yes. Prescription sildenafil (the active ingredient in Viagra) and tadalafil (the active ingredient in Cialis) are HSA-eligible under the IRS prescription-medicines rule in Pub 502. The Hims telehealth visit issues the prescription as part of the consultation, so you don't need to bring an existing prescription.

Does Hims accept HSA cards for ED medications?▼

Yes. Hims accepts HSA and FSA debit cards at checkout for prescription ED medications. You can also pay with a regular card and reimburse from your HSA later using the itemized receipt.

Are generic ED meds and branded Viagra both HSA-eligible?▼

Yes, both qualify as long as they're prescribed. The IRS prescription-medicines rule does not distinguish between branded and generic. Hims primarily prescribes generic sildenafil and tadalafil, which cost a fraction of the branded versions.

Is the Hims consultation fee HSA-eligible?▼

Yes. The telehealth visit is a physician service and qualifies as a medical expense. With Hims, the consultation is bundled into the subscription rather than billed separately, but the medical-services portion of the subscription is HSA-eligible.

Can I use my HSA at Hims if my employer's health plan doesn't cover ED meds?▼

Yes. HSA eligibility is independent of what your health insurance covers. HSA rules follow IRS Pub 502 - if a service or medication is on the qualified medical expense list, it's HSA-eligible regardless of your insurance coverage decision.

What if I order both prescription ED meds and OTC supplements from Hims?▼

Allocate the line items. Prescription medications and the clinical visit fee are HSA-eligible. OTC supplements, gummies, and cosmetic products in the same order are not, even though they ship together. The Hims itemized receipt makes the split easy.

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