HSA Eligibility Checker
Instantly check if an expense is HSA eligible. Search for any medical expense to see if you can pay with your HSA tax-free.
Eligible
Prescriptions, doctor visits
Maybe
Requires documentation
Not Eligible
Cosmetic surgery, toiletries
- Massage therapy (with LMN)
- Gym memberships (with LMN)
- Weight-loss programs (if prescribed)
- Air purifiers (medical need)
- Supplements (if prescribed for a deficiency)
- Cosmetic procedures
- General vitamins
- Teeth whitening
- Personal care items (soap, shampoo)
- Health-club dues without LMN
A Letter of Medical Necessity is a document from your doctor that explains why a specific expense is medically necessary for your condition. It's required for some HSA expenses that might otherwise be considered personal.
When you need an LMN:
- Therapeutic massages for a diagnosed condition
- Supplements prescribed for a deficiency
- Exercise equipment for rehabilitation
- Air purifiers for respiratory conditions
- Special mattresses or chairs for medical conditions
Ask your doctor to write an LMN that includes your diagnosis, why the expense is necessary, and how long you'll need it.
Found an eligible expense? Keep the proof.
6 free starter files: a start-here note, a receipt checklist, a filename pattern, a folder structure, an annual review and a CSV log. Subscribe to occasional HSA recordkeeping tips and the download appears here. Unsubscribe anytime.
Last updated: October 2026