HSA-Eligible

Is Car Modifications for Disability HSA-Eligible? (2026)

Vehicle modifications for a disability — hand controls, wheelchair lifts, etc. — are HSA-eligible.

Typical Cost

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

Details

If you modify a vehicle to accommodate a physical disability, the modification cost is a qualified medical expense. This includes hand controls, wheelchair lifts or ramps, pedal extensions, steering wheel knobs, swivel seats, and raised roofs for wheelchair accessibility. The vehicle itself is not eligible — only the modifications. IRS Publication 502 specifically covers this.

Requirements

Only the modification cost is eligible, not the vehicle. Must be for a diagnosed physical disability.

Frequently Asked Questions

Are car modifications for disability HSA-eligible?

Yes. Hand controls, wheelchair lifts, and other disability modifications are eligible. The vehicle itself is not.

Is a wheelchair-accessible van HSA-eligible?

Only the cost of the modifications over a standard vehicle. The base vehicle cost is not eligible.

Related HSA Expenses

Wheelchair

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

Home Modifications for Disability

$500–$20,000+ depending on scope

Prosthetics & Artificial Limbs

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

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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All Eligible Expenses

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