HSA-Eligible

Is Pregnancy Care HSA-Eligible? (2026)

Prenatal care, labor, delivery, and postnatal care are all HSA-eligible medical expenses.

Typical Cost

$2,000–$11,000+ (total out-of-pocket for delivery)

Details

Pregnancy-related medical costs are fully eligible from start to finish. That means prenatal visits, ultrasounds, lab work, hospital charges for labor and delivery (including C-sections), epidurals, midwife fees, birthing center costs, and postnatal checkups. If you're planning ahead, pregnancy is one of the best times to max out your HSA contributions — delivery alone averages $5,000–$11,000 out of pocket.

Frequently Asked Questions

Is pregnancy care HSA-eligible?

Yes. Everything from prenatal visits to delivery to postnatal care is HSA-eligible.

Are ultrasounds HSA-eligible?

Yes. Both routine and diagnostic ultrasounds during pregnancy are eligible.

Is a midwife HSA-eligible?

Yes. Licensed midwife services and birthing center fees are qualified expenses.

Is a C-section HSA-eligible?

Yes. All costs associated with a C-section — surgeon, anesthesia, hospital stay — are eligible.

Related HSA Expenses

Breast Pump

$30–$80 (manual); $150–$500 (electric)

Prenatal Vitamins

$10–$40 per month

Fertility Treatment

$300–$5,000 (IUI); $15,000–$25,000 (IVF per cycle)

Breastfeeding Supplies

$10–$50/month (supplies); $100–$300 (lactation consultant)

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

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