HSA-Eligible

Is Transplant Donor Expenses HSA-Eligible? (2026)

Medical expenses for organ donors — surgery, testing, recovery — are HSA-eligible.

Typical Cost

Varies widely — typically covered by recipient's insurance, but out-of-pocket costs are HSA-eligible

Details

If you're an organ or tissue donor, your medical expenses related to the donation are qualified medical expenses. This includes pre-donation testing, the surgical procedure, hospitalization, and post-surgical recovery. If someone donates an organ to you, you can also pay for their surgical expenses related to the transplant from your HSA.

Frequently Asked Questions

Are organ donor medical expenses HSA-eligible?

Yes. Both the donor's and recipient's medical expenses related to an organ transplant qualify.

Related HSA Expenses

Organ Transplant

$100,000–$1,000,000+ (total; most covered by insurance)

Surgery

Varies widely — $1,000–$50,000+

Hospital Stays

$2,000–$10,000+ per day

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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