Is Contact Lens Insurance HSA-Eligible? (2026)
Contact lens insurance and warranty plans are NOT HSA-eligible.
Typical Cost
$10–$30/year
Details
Insurance policies and warranty plans for contact lenses are not qualified medical expenses. The IRS doesn't allow HSA funds for insurance premiums (with a few narrow exceptions like COBRA, long-term care, and Medicare). Contact lens replacement plans, damage protection, and extended warranties fall into the same category. The contact lenses themselves are eligible, but insurance on them is not.
Requirements
Not eligible. Insurance premiums and warranty plans are generally not HSA-qualified expenses.
Frequently Asked Questions
Is contact lens insurance HSA-eligible?
No. Warranty plans and insurance for contacts don't qualify. The lenses themselves are eligible, but protection plans are not.
Related HSA Expenses
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