Common HSA, HRA & FSA Eligible Expenses

The following is a summary of common expenses claimed against Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Healthcare Flexible Spending Accounts (HC-FSAs). Due to frequent updates to the regulations governing these accounts and arrangements, this list does not guarantee reimbursement and is to be utilized as a guide for the submission of claims. For more information on IRS-qualified medical expenses, click here.

Common IRS-Qualified Medical Expenses

Acupuncture
Ambulance
Artificial limbs
Artificial teeth*
Birth control treatment
Blood sugar test kits for diabetics
Breast pumps and lactation supplies
Chiropractor
Contact lenses and solutions*
Crutches
Dental treatments (including X-rays, cleanings, fillings, sealants, braces and tooth removals*)
Doctor’s office visits and co-pays
Drug addiction treatment
Drug prescriptions
Eyeglasses (Rx and reading)*

Fluoride treatments*
Feminine hygiene products
Fertility enhancement (including in-vitro fertilization)
Flu shots
Guide dogs
Hearing aids and batteries
Infertility treatment
Inpatient alcoholism treatment
Insulin
Laboratory fees
Laser eye surgery*
Medical alert bracelet
Medical records charges
Midwife
Occlusal guards to prevent teeth grinding

Orthodontics*
Orthotic Inserts (custom or off the shelf)
Over-the-counter medicines and drugs (see more information below)
Physical therapy
Special education services for learning disabilities (recommended by a doctor)
Speech therapy
Stop-smoking programs (including nicotine gum or patches, if prescribed)
Surgery, excluding cosmetic surgery
Vaccines
Vasectomy
Vision exam*
Walker, cane
Wheelchair

Common Over-the-Counter (OTC) Medicines

Allergy medicine
Analgesics (e.g., vaporizing rub)
Anti-diarrhea medicine
Anti-gas, Antacid
Antihistimines
Anti-inflammatory medication
Aspirin
Bandages
Burn treatments, OTC
Calamine lotion
Cold and flu medicine
Cold sore remedies
Cold/hot packs
Condoms

Contact lens solutions/cleaners
Cotton balls (sterile)
Cough drops, cough suppressants
Decongestants
Diaper rash treatments
Elastic wraps
Expectorants
Eye drops (nonmedicated)
Feminine hygiene products
Fiber laxatives
First-aid kits
Heating pads
Hemorrhoid treatments

Insect bite/sting medicine
Medicated lip balm/cream
Menstrual pain relievers
Nicotine patches, gum and lozenges
OTC pain relievers
Pregnancy test kits
Prenatal vitamins
Reading glasses
Stomach remedies
Sunburn treatments
Sunscreen
Thermometers
Throat lozenges/cough drops

Please note, this list is not all encompassing. For more information on your medical spending account, please contact your plan administrator. For full list and publication please visit IRS.gov