HSA-Eligible

Is Therapy & Counseling HSA-Eligible? (2026)

Psychotherapy and counseling by licensed professionals are HSA-eligible.

Typical Cost

$100–$300 per session

Details

Sessions with licensed mental health professionals are qualified medical expenses. This includes psychologists, licensed clinical social workers (LCSW), licensed professional counselors (LPC), and licensed marriage and family therapists (LMFT). Individual therapy, couples therapy, family therapy, and group therapy all qualify.

Frequently Asked Questions

Is therapy HSA-eligible?

Yes. Therapy by a licensed mental health professional is fully HSA-eligible.

Is couples therapy HSA-eligible?

Yes, if provided by a licensed mental health professional for a mental health diagnosis.

Is online therapy HSA-eligible?

Yes. Telehealth therapy sessions are eligible just like in-person sessions.

Related HSA Expenses

Psychiatrist

$150–$500 per visit

Substance Abuse Treatment

$5,000–$30,000+ per program

Doctor Visits

$20–$300 per visit (varies by type and insurance)

More HSA Resources

2026 HSA Contribution Limits

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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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