Is Baby Formula HSA-Eligible? (2026)
Baby formula is NOT HSA-eligible — the IRS classifies it as food, not medicine.
Typical Cost
$25–$60 per can
Details
This one frustrates a lot of new parents. Baby formula — even specialty or hypoallergenic formula — is considered a food product by the IRS, not a medical expense. The same rule applies to baby food, organic formula, and regular formula. The only exception: if a doctor prescribes a specific medical formula for a diagnosed condition (like an amino acid-based formula for severe cow's milk protein allergy), it may qualify with documentation.
Requirements
Generally not eligible. Specialty medical formulas may qualify with a doctor's prescription for a diagnosed condition.
Frequently Asked Questions
Is baby formula HSA-eligible?
No. The IRS treats formula as food, not medicine. Even specialty formula generally doesn't qualify unless prescribed for a medical condition.
Is hypoallergenic formula HSA-eligible?
Only if prescribed by a doctor for a diagnosed allergy or medical condition, not as a general preference. Get documentation.
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