Is sunscreen HSA eligible? Yes. Sunscreen with SPF 15 or higher is a qualified medical expense, and you can buy it with your HSA debit card or reimburse yourself later. Summer is here, which means it's time to pull the sunscreen back out of the cabinet (or finally restock). If you've ever wondered whether sunscreen is HSA eligible, the good news is: yes, it is — but that wasn't always the case. Before 2020, sunscreen didn't qualify without a prescription. Here's why sunscreen

Wondering what your HSA actually covers? Let us help! Our search tool gives you a straight answer on 230+ common health expenses. Search any item, or filter by category to browse what's automatically covered, what requires documentation, and what doesn't qualify. Per the IRS, a qualified medical expense is anything that diagnoses, treats, mitigates, cures, or prevents a specific illness or disease. General health and wellness items — even beneficial ones — do not qualify. Eli

Can You Use Your HSA for GLP-1 Medications? GLP-1 medications such as Ozempic, Wegovy, Mounjaro, and Zepbound are HSA-eligible when prescribed by a physician for a diagnosed condition.* What Are GLP-1 Medications? GLP-1 medications are a class of prescription drugs that work by mimicking a hormone that regulates appetite and blood sugar. Originally developed to treat type 2 diabetes, they are now widely prescribed for weight management and obesity under brand names like Ozemp

Can you use your HSA for a weight-loss program? It depends — the IRS allows it in specific circumstances where it is connected to a medical need, but not for general weight loss. What the IRS Says The IRS addressed this directly in their FAQ on medical expenses related to nutrition, wellness, and general health. Q9 asks whether a weight-loss program qualifies as a medical expense eligible for payment or reimbursement through an HSA. The answer is yes — but only if the program

Can you use your HSA for eye exams and vision care? Yes. Eye exams and most vision expenses are HSA eligible. What the IRS Says The IRS addressed this directly in their FAQ on medical expenses related to nutrition, wellness, and general health. Q2 asks whether an eye exam qualifies as a medical expense eligible for payment or reimbursement through an HSA. The answer is yes because an eye exam can diagnose disease or illness. For an expense to qualify as an HSA-eligible expens

Can you use your HSA for dental? Yes. Most dental expenses are HSA eligible. What the IRS Says The IRS addressed this directly in their FAQ on medical expenses related to nutrition, wellness, and general health. Q1 asks whether a dental exam qualifies as a medical expense eligible for payment or reimbursement through an HSA. The answer is yes because a dental exam can diagnose disease or illness. For an expense to qualify as an HSA-eligible expense, the IRS says it must diagn

You searched to see whether something is HSA-eligible. One website said yes. Another said it depends. A third said you need a Letter of Medical Necessity. Confused? This is common, and the frustrating part is that all of those answers can technically be correct at the same time — depending on the item and your situation. Once you understand where the rules come from, hopefully you'll understand the difference. The short version: HSA rules start with Congress — specifically IR

Once you’ve confirmed you have a qualifying HDHP, it’s time to open your HSA. If you haven’t verified your eligibility yet, read our guide here first. The good news — this part is simple. The more important decision is where you open it, because your provider impacts fees, investment options, and long-term growth. Let’s walk through it. Two Ways to Open an HSA There are two valid paths. Both give you the same tax advantages. Option A — Through Your Employer If your employer o

Before you open an HSA — or start contributing to one — there's one thing worth confirming first: do you actually qualify? The good news — the rules are pretty straightforward once you know what to look for. We'll walk you through exactly what you need to check so you can find out in just a few minutes. The HSA Qualification Rules To contribute to an HSA, you need to meet all four of these. Let's walk through each one. 1. You're enrolled in an HSA-eligible HDHP This is the bi

Every year, the IRS adjusts HSA contribution limits for inflation. In 2026, the limits increased again. If you have not checked your contribution rate recently, there is a good chance you are missing out on tax-free savings. Here is everything you need to know about 2026 HSA limits — and more importantly, how to use every dollar wisely. 2026 HSA Contribution Limits Coverage Type 2026 Limit 2025 Limit Change Self-only $4,400 $4,300 +$100 Family $8,750 $8,550 +$200 Catch-up 55+

Two of the most common questions we see are: Can I buy vitamins with my HSA? Can I use my HSA for supplements? The answer surprises most people — and it's not a simple yes or no. By default, vitamins and supplements are not HSA-eligible. But there are specific situations where they can be — and most people never get that far because they stop at the default answer. This guide covers exactly when vitamins and supplements qualify and what you need to make it happen. What the IR

There’s a powerful document many HSA users haven’t discovered yet — and it can help you use your HSA more intentionally across your health, fitness, and everyday wellness needs. It’s called a Letter of Medical Necessity (LMN). It's not complicated, but it does change how certain HSA expenses are evaluated. With an LMN, you may be able to use your HSA funds for items that aren't automatically HSA-eligible — opening the door to a much wider range of qualifying purchases. This g

Maybe — an Apple Watch purchased as a general consumer product is not HSA eligible. However, it can qualify under specific circumstances: if your doctor prescribes it to diagnose or treat a specific medical condition, or if you use it primarily to monitor a diagnosed condition (like AFib or irregular heart rhythm). Without a medical purpose tied to a diagnosis, the IRS considers it a general wellness device.

If you wear glasses, you already know they're not cheap. Frames, lenses, coatings — it adds up fast. The good news: your Health Savings Account (HSA) can cover a lot of that cost, as long as the purchase qualifies as a medical expense under IRS rules. Here's exactly what you need to know. What Even Counts as HSA-Eligible? An HSA lets you set aside pre-tax money to pay for qualified medical expenses — meaning you're paying with dollars the IRS never taxed. To qualify, an expen

What if I told you you've probably been paying out of pocket for things your HSA could have covered all along? Sunscreen. Acupuncture. Fitness trackers. Sleep aids. Mental health apps. Feminine products. Reading glasses. Smart scales. The list of HSA-eligible expenses is far broader than most people expect — and knowing what's on it, what's automatically covered, and what requires documentation changes how you shop for everything health-related. This guide covers everything,

Most people think of their HSA as a simple medical expense account. Put money in. Pay for doctor visits. Done. In reality, it can do far more—helping you save on a broader range of health-related expenses while also acting as a tax-free investment account. It’s one of the few tools that lets you reduce taxes, spend tax-free, and grow money tax-free—all in one place. Used correctly, it can save thousands each year on spending you’re already doing. Here’s how it works. Section

When I first heard about Truemed, I had the same reaction most people have. It sounds too good to be true. Use your HSA to pay for supplements? A smartwatch? Fitness equipment? A scale? And so much more. I'd been contributing to my HSA for years, believing it was strictly for copays, prescriptions, and medical procedures. The idea that it could cover the wellness products I was already buying felt like someone was bending the rules. So before I did anything, I spent a lot of

Like most people, I thought our HSA was basically a spending account for doctor visits and prescriptions. That's exactly how we used it for years — copays, dental cleanings, eye exams. Contributing each paycheck, keeping the balance healthy, and feeling like we had it covered. We were using it correctly. We just had no idea how much more it could do. Once we understood the full tax advantage available, it changed the way we use our account and has saved us hundreds of dollars