Is Hormone Therapy HSA-Eligible? (2026)
Hormone replacement therapy prescribed by a doctor is HSA-eligible.
Typical Cost
$30–$300/month depending on type and formulation
Details
Prescription hormone therapy is a qualified medical expense when prescribed for a medical condition. This includes estrogen replacement therapy (ERT) and hormone replacement therapy (HRT) for menopause, testosterone replacement therapy (TRT) for diagnosed low testosterone, thyroid hormone medication, and gender-affirming hormone therapy. All require a valid prescription.
Requirements
Requires a prescription from a licensed provider for a medical condition.
Frequently Asked Questions
Is hormone replacement therapy HSA-eligible?
Yes. HRT prescribed by a doctor for menopause or other medical conditions is a qualified medical expense.
Is testosterone therapy HSA-eligible?
Yes. Prescription TRT for diagnosed low testosterone is eligible.
Is gender-affirming hormone therapy HSA-eligible?
Yes. Prescription hormone therapy for gender dysphoria prescribed by a licensed provider is eligible.
Related HSA Expenses
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