What medical expenses can I pay with my HSA?

According to the IRS, you can use your health savings account to pay for:

  • Eligible medical expenses, including most medical, dental and vision services and prescription drugs. 
  • Health insurance premiums under COBRA continuation coverage.
  • Health insurance premiums if you’re getting unemployment compensation.
  • Medicare Part A or Part B premiums if you’re enrolled in Medicare.
  • Your qualified long-term care insurance premiums.

If you need more help determining what medical expenses are eligible for reimbursement, download the Qualified Medical Expenses (PDF). This list is only a guide. You’ll want to look at Publication 502 Medical and Dental Expenses (PDF) from the IRS website or talk to a professional legal or tax advisor to know for sure if an expense is eligible.