Conditionally Eligible

Is Long-Term Care Insurance Premiums HSA-Eligible? (2026)

Qualified long-term care insurance premiums are HSA-eligible up to age-based IRS limits.

Typical Cost

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

Details

Premiums for qualified long-term care insurance policies can be paid with HSA funds, but only up to an age-based annual limit set by the IRS. For 2024: age 40 or under ($470), 41-50 ($880), 51-60 ($1,760), 61-70 ($4,710), over 70 ($5,880). The policy must meet specific IRS requirements to be "qualified." Non-qualified policies don't count. This is one of the few insurance premiums you can pay with an HSA.

Requirements

Must be a qualified long-term care policy. Only eligible up to the IRS age-based annual limit.

Frequently Asked Questions

Can I pay long-term care insurance with my HSA?

Yes, up to the age-based IRS limit. The policy must meet IRS requirements for "qualified" long-term care insurance.

What are the age-based limits?

They change annually. For 2024: under 40 ($470), 41-50 ($880), 51-60 ($1,760), 61-70 ($4,710), 71+ ($5,880). Check IRS updates each year.

Related HSA Expenses

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

More HSA Resources

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

Track this expense in HSA Tracker

Snap a photo of your receipt and let AI categorize it. Never lose track of an HSA-eligible expense again.

Get Started Free