Conditionally Eligible

Is Massage Therapy HSA-Eligible? (2026)

Massage therapy is HSA-eligible only when prescribed by a doctor for a medical condition.

Typical Cost

$60–$200 per session

Details

Massage therapy can be paid with HSA funds if a physician prescribes it for a specific medical condition such as chronic pain, injury recovery, or a diagnosed musculoskeletal disorder. A letter of medical necessity (LOMN) from your doctor is typically required. General relaxation or wellness massage is NOT eligible.

Requirements

Requires a doctor's prescription or letter of medical necessity. Must be for a diagnosed medical condition.

Frequently Asked Questions

Is massage therapy HSA-eligible?

Only with a doctor's prescription for a specific medical condition. Spa or relaxation massage is not eligible.

What documentation do I need for HSA massage?

A letter of medical necessity (LOMN) from your doctor specifying the medical condition and that massage is part of the treatment plan.

Related HSA Expenses

Chiropractor

$30–$200 per visit

Physical Therapy

$50–$350 per session

Acupuncture

$75–$200 per session

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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