HSA-Eligible Expenses (2026)

Chiropractor

$30–$200 per visit

Acupuncture

$75–$200 per session

Physical Therapy

$50–$350 per session

Doctor Visits

$20–$300 per visit (varies by type and insurance)

Urgent Care

$100–$300 per visit

Emergency Room

$500–$3,000+ per visit

Ambulance

$400–$2,000+ (ground); $12,000–$25,000+ (air)

Specialist Visits

$50–$500 per visit

Dermatologist

$100–$400 per visit

Surgery

Varies widely — $1,000–$50,000+

Hospital Stays

$2,000–$10,000+ per day

Anesthesia

$500–$3,500 per procedure

Massage Therapy

$60–$200 per session

Gym Membership

$20–$100+ per month

Cosmetic Surgery

Varies widely — $2,000–$20,000+

Weight Loss Programs

$20–$100/month (programs); $200–$500 (medical programs)

Pregnancy Care

$2,000–$11,000+ (total out-of-pocket for delivery)

Fertility Treatment

$300–$5,000 (IUI); $15,000–$25,000 (IVF per cycle)

Peloton & Exercise Equipment

$1,400–$2,500 (Peloton bike); $30–$50/month (subscription)

Hair Loss Treatment

$15–$50/month (Rogaine/Propecia); $4,000–$15,000 (transplant)

Egg Freezing

$6,000–$15,000 per cycle (plus $500–$1,000/year storage)

Vasectomy

$500–$3,000

Tubal Ligation

$0–$6,000 (often covered by insurance under ACA)

Speech Therapy

$100–$300 per session

Occupational Therapy

$100–$350 per session

Service Animal

$15,000–$50,000+ (purchase/training); $1,000–$3,000/year (maintenance)

Allergy Shots (Immunotherapy)

$20–$100 per visit; $1,500–$4,000/year

Lead Paint Removal

$2,000–$10,000+ depending on scope

Special Education (Learning Disability)

$5,000–$50,000+ per year

Organ Transplant

$100,000–$1,000,000+ (total; most covered by insurance)

Nursing Home

$5,000–$10,000+ per month

Assisted Living

$3,000–$8,000+ per month

Home Health Care

$25–$75/hour; $150–$500/day

Long-Term Care Insurance Premiums

$1,000–$5,000+ per year (varies by age and coverage)

Breast Reconstruction

$5,000–$50,000+ (often covered by insurance under the Women's Health and Cancer Rights Act)

Dyslexia Treatment

$50–$150/hour (specialized tutoring); $5,000–$30,000/year (specialized schools)

Hair Transplant

$4,000–$15,000+

Hormone Therapy

$30–$300/month depending on type and formulation

Hypnotherapy

$75–$300 per session

In Vitro Fertilization (IVF)

$15,000–$25,000 per fresh cycle; $3,000–$7,000 per frozen transfer

Joint Replacement Surgery

$15,000–$50,000+ (total; varies by insurance coverage)

Lactation Consultant

$100–$350 per visit

Midwife Services

$2,000–$6,000 (total midwife-attended birth)

Nursing Services

$30–$75/hour; $300–$600/day (private duty)

Pediatrician

$20–$300 per visit (varies by type and insurance)

Podiatrist

$50–$400 per visit

Telemedicine & Virtual Visits

$0–$100 per visit (varies by insurance and platform)

Varicose Vein Treatment

$300–$3,000+ per treatment session

Blood Transfusion

$200–$1,500 per unit of blood (varies by type and facility)

Transplant Donor Expenses

Varies widely — typically covered by recipient's insurance, but out-of-pocket costs are HSA-eligible

Medical Conference (Chronic Condition)

$50–$500 (registration/admission)

Medical Records Fees

$10–$75 per request

Medical Transportation

IRS standard medical mileage rate; actual fare costs

Coinsurance & Deductibles

Varies by plan — $1,600–$8,050+ (HDHP deductible range for 2024)

Childbirth & Lamaze Classes

$50–$300 per series

Smoking Cessation Programs

$100–$500 per program

Dental Cleaning

$75–$200 per cleaning

Dental Fillings

$100–$400 per filling

Dental Crowns

$800–$1,700 per crown

Root Canal

$700–$1,500 (plus crown)

Dental Implants

$3,000–$6,000 per implant

Braces & Orthodontics

$3,000–$8,000 (full treatment)

Dentures

$1,000–$3,500 per set

Dental Surgery

$200–$3,000+ per procedure

Dental X-Rays

$25–$250 per set

Teeth Whitening

$20–$50 (OTC); $300–$1,000 (professional)

Invisalign

$3,000–$8,000 (full treatment)

Dental Veneers

$800–$2,500 per veneer

Electric Toothbrush

$30–$300

Night Guard (Dental)

$20–$40 (OTC); $300–$800 (custom)

Clarinet (Orthodontic Treatment)

$200–$2,000

Cosmetic Dentistry

$300–$5,000+ depending on procedure

Fluoride Treatment

$20–$50 per treatment

Orthodontic Wax

$3–$8 per pack

Retainer (Dental)

$100–$500 per retainer

Dental Sealants

$30–$60 per tooth

Dental Bridge

$2,000–$5,000 per bridge

Dental Anesthesia & Sedation

$50–$500+ depending on type

Night Guard Replacement

$20–$40 (OTC); $300–$800 (custom replacement)

Eye Exam

$50–$250 per exam

Prescription Glasses

$100–$600+ per pair

Contact Lenses

$200–$800 per year

Contact Lens Solution

$5–$20 per bottle

LASIK Eye Surgery

$2,000–$4,000 per eye

Reading Glasses

$10–$50 per pair

Eye Drops

$5–$30 per bottle

Contact Lens Insurance

$10–$30/year

Eye Patches

$5–$30 per box

Optometrist

$50–$250 per visit

Prescription Sunglasses

$100–$600+ per pair

Vision Therapy

$100–$300 per session; $2,000–$8,000 for a full program

Prescription Medications

Varies widely — $5–$500+ per prescription

Over-the-Counter Medications

$5–$30 per item

Insulin

$50–$300+ per month (without insurance)

Sunscreen

$8–$30 per bottle

Vitamins & Supplements

$10–$60 per month

Menstrual Products

$5–$40 per month

Ozempic

$25–$500/month (with insurance); $800–$1,300/month (without)

Condoms

$5–$20 per box

Birth Control

$0–$50/month (pills); $0–$1,300 (IUD insertion)

Nicotine Patches & Smoking Cessation

$20–$50/month (OTC); $100–$500 (programs)

Melatonin

$5–$20 per bottle

Probiotics

$15–$60 per month

CBD Oil

$30–$100 per product

Acne Medication

$5–$30 (OTC); $50–$500/month (prescription)

Flu & Cold Medicine

$5–$20 per product

Prenatal Vitamins

$10–$40 per month

EpiPen

$50–$350 per two-pack (varies by brand and insurance)

Pregnancy Test

$5–$20 per test

Ovulation Test

$10–$30 (test strips); $100–$300 (fertility monitors)

Baby Formula

$25–$60 per can

Diaper Cream

$5–$15 per tube

Pedialyte

$5–$15 per pack

Saline Nasal Spray

$5–$20

Wart Remover

$5–$25 (OTC); $100–$500 (in-office removal)

Motion Sickness Medicine

$5–$15 (OTC); $20–$50 (prescription patches)

Anti-Itch Cream

$5–$15 per tube/bottle

Sleep Aids

$5–$15 (OTC); $10–$100 (prescription)

Digestive Aids

$5–$25 per product

Hand Sanitizer

$3–$10 per bottle

Lice Treatment

$10–$30 (OTC); $100–$200 (professional treatment)

Lip Balm with SPF

$3–$8 per tube

Nasal Strips

$5–$15 per box

Pain Relievers (Tylenol, Advil, Aspirin)

$5–$15 per bottle

Prescription Skin Care

$10–$500+ depending on product

Iron Supplements (Prescribed)

$5–$20/month (OTC with LMN); $500–$3,000 (iron infusions)

Therapy & Counseling

$100–$300 per session

Psychiatrist

$150–$500 per visit

Substance Abuse Treatment

$5,000–$30,000+ per program

Drug Addiction Treatment

$5,000–$50,000+ (inpatient); $1,000–$10,000 (outpatient programs)

Blood Work & Lab Tests

$50–$500+ depending on tests

X-Rays

$100–$1,000 per X-ray

MRI

$500–$3,000 per scan

CT Scan

$300–$3,000 per scan

COVID Test

$10–$25 (at-home rapid); $0–$150 (lab PCR)

Genetic Testing

$100–$2,000+ (medical); $100–$300 (consumer kits — not eligible)

Allergy Testing

$150–$1,000 depending on type and number of allergens tested

Body Scan

$500–$2,500

Lab Fees

$20–$500+ depending on tests

Paternity Test

$100–$500 (home kit); $300–$500 (legal/court-admissible)

Ultrasound

$100–$1,000 depending on type

Hearing Test (Audiometry)

$50–$250 per evaluation

Annual Physical

$0–$250 (often covered by insurance)

Vaccinations

$0–$300 per vaccine (many covered by insurance)

Physical Exam

$50–$300 per exam

First Aid Supplies

$5–$50 per item

Thermometer

$8–$60

Blood Pressure Monitor

$25–$100

Blood Glucose Monitor

$20–$400 (monitor); $30–$100/month (supplies)

Diabetic Supplies

$50–$300+ per month

Crutches

$20–$100 (crutches); $50–$500+ (walkers/wheelchairs)

Hearing Aids

$1,000–$6,000 per pair

Breast Pump

$30–$80 (manual); $150–$500 (electric)

CPAP Machine

$500–$3,000 (machine); $50–$200/month (supplies)

Air Purifier

$100–$800

Humidifier

$30–$200

Fitness Tracker

$100–$800 (device); $0–$30/month (subscription)

Compression Socks & Stockings

$15–$80 per pair

Wheelchair

$100–$500 (manual); $2,000–$30,000+ (power)

Nebulizer

$30–$200 (machine); $10–$50 (supplies/medication)

Breastfeeding Supplies

$10–$50/month (supplies); $100–$300 (lactation consultant)

Knee Brace

$15–$200 (OTC); $200–$800 (custom)

Hot & Cold Packs

$5–$50

Medical Alert System

$20–$50/month

Wound Care Supplies

$5–$30 per product

Orthopedic Shoes

$50–$300+ (orthopedic shoes); $200–$800 (custom orthotics)

Cane

$15–$80

Walker

$30–$150 (standard); $100–$400 (rollator)

Hospital Bed

$500–$5,000+ (purchase); $200–$500/month (rental)

Catheter Supplies

$50–$300+ per month

Ostomy & Colostomy Supplies

$200–$500+ per month

Prosthetics & Artificial Limbs

$5,000–$100,000+ depending on type and technology

Home Modifications for Disability

$500–$20,000+ depending on scope

Car Modifications for Disability

$1,000–$30,000+ depending on modifications

Elastic Bandages (ACE Wraps)

$3–$15 per bandage

Heating Pad

$10–$80

Incontinence Supplies

$30–$100+ per month

Face Masks (N95, Surgical)

$0.50–$3 per mask (bulk pricing varies)

Oxygen Equipment & Supplies

$500–$3,000 (concentrator); $50–$200/month (supplies and refills)

Pregnancy Support Belt (Maternity Belt)

$15–$60

Scoliosis Brace

$5,000–$10,000

Stethoscope

$10–$100 (home use); $50–$300 (clinical grade)

Surgical Stockings

$10–$30 per pair

Traction Equipment

$30–$200 (home devices); $50–$150 per clinic session

Wig (Medical Hair Loss)

$200–$3,000+ depending on quality

Tongue Depressors

$3–$10 per box

Diabetic Shoes

$100–$500 per pair (often partially covered by insurance)

Braille Books & Materials

Varies — difference between Braille and print versions