You can use HSA funds tax-free to pay for IRS-qualified medical expenses for yourself, your spouse, and your tax dependents—even if they aren’t covered under your health plan.
đź©ş Common Qualified Expenses Include:
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Doctor visits, hospital bills, lab tests, and surgeries
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Prescription drugs and insulin
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Dental care (cleanings, fillings, braces)
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Vision care (eye exams, glasses, contacts)
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Mental health and substance abuse treatment
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Chiropractic care and physical therapy
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Certain over-the-counter (OTC) medications and menstrual products
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Medical equipment like crutches, CPAP machines, and blood pressure monitors
The IRS publishes a full list in Publication 502—though not all items listed there are HSA-eligible, so check with your HSA provider when in doubt.
🧠Important Note:
Most health insurance premiums are not considered qualified expenses, unless you’re paying for COBRA, certain types of long-term care insurance, or health coverage while receiving unemployment benefits.