When you have a Health Savings Account you are allowed to place money tax free into a special bank account to be spent on qualified medical expenses. There are no hard and fast rules to what is a qualified medical expense, but the following list is provided as a guideline from the IRS. It is not an exhaustive list and if you have futher questions you should consult publication 502 from the IRS website.

  • Acupuncture
  • Alcoholism - treatment
  • Ambulance - hire
  • Autoette or Wheelchair
  • Birth Control Pills
  • Blind Persons Services
  • Braces
  • Capital Expenditures - home modifications for handicapped - primary purpose must be medical care
  • Car Equipment - to accommodate wheelchair and/or handicapped controls
  • Childbirth Preparation Classes - mother
  • Chiropractors
  • Christian Science Treatment
  • Contact Lenses - replacement insurance
  • Crutches
  • Deaf Persons - hearing aid and batteries, hearing aid animal and care, lip reading expenses, special education, modified telephone
  • Dental Fees
  • Dentures
  • Diagnostic Fees
  • Diapers (adult disposable) - used due to severe neurological disease
  • Doctor's Fees
  • Domestic Aid - rendered by nurse
  • Drug Addiction Recovery
  • Drugs - prescription or over-the-counter
  • Dyslexia Language Training
  • Elevator for Alleviation of Cardiac Condition
  • Eyeglasses and Examination Fees
  • Fluoride Device - on advice of dentist
  • Halfway House - adjustment to mental hospital
  • Healing Services Fees
  • Health Maintenance Organization
  • Hearing Aids
  • Hospital Care
  • Insulin
  • Laboratory Fees
  • Laetrile - by prescription
  • Lead Paint Removal
  • Lazer eye surgery
  • Lodging (treatment related, and with restrictions, up to $50 per person)
  • Medical conference fees (relating to chronic illness; no lodging or meals)
  • Medicare Parts A and B
  • Legal Expenses - authorizing treatment of mental illness
  • Lifetime Medical Care - prepaid; retirement home
  • Limbs - artificial
  • Mattress - prescribed for alleviation of arthritis
  • Membership Fees - association furnishing medical services, hospitalization, and clinical care
  • Nursing Home - medical reasons
  • Nursing Services - board and Social Security paid by taxpayers
  • Obstetrical Expenses
  • Operations - legal
  • Optometrists
  • Orthodontia
  • Orthopedic Shoes - excess costs
  • Oxygen / Oxygen Equipment
  • Prosthesis
  • Psychiatric Care
  • Psychologists
  • Psychotherapists
  • Reclining Chair - for cardiac patients
  • Remedial Reading
  • Retarded Person - costs for special home.
  • Retirement Home - lifetime medical care
  • Sanitarium Rest Home - medical, educational, ehabilitative services
  • Schools - special, relief, or handicapped
  • Sexual Dysfunction Treatment
  • Sterilization
  • Stop smoking programs
  • Surgical Fees
  • Swimming Pool - treatment of polio or arthritis
  • Teeth - artificial
  • Television - closed-caption decoder
  • Therapy Treatments - prescribed by a physician
  • Transportation - essentially and primarily for medical care
  • Weight Loss Programs - as a treatment for the disease of obesity
  • Wheelchair or Autoette
  • X-rays
  • Mileage
  • Vasectomy
  • Vision correction