HSA-Eligible

Is Tubal Ligation HSA-Eligible? (2026)

Tubal ligation (getting tubes tied) is an HSA-eligible medical expense.

Typical Cost

$0–$6,000 (often covered by insurance under ACA)

Details

Tubal ligation is listed in IRS Publication 502 as a qualified medical expense. The surgery, anesthesia, hospital or surgical center fees, and follow-up care are all eligible. Most insurance covers tubal ligation at no cost under the ACA, but any out-of-pocket amounts qualify for HSA payment. Reversal surgery is also eligible.

Frequently Asked Questions

Is tubal ligation HSA-eligible?

Yes. It's explicitly listed in IRS Pub 502. Any out-of-pocket costs are qualified expenses.

Is tubal ligation reversal HSA-eligible?

Yes. Reversal surgery is also a qualified medical expense.

Related HSA Expenses

Vasectomy

$500–$3,000

Birth Control

$0–$50/month (pills); $0–$1,300 (IUD insertion)

Surgery

Varies widely — $1,000–$50,000+

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