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HSA-Qualified Medical Expenses

Eligible medical expenses IRS Publication 502 defines qualified medical expenses. Please keep in mind that this list is not fully inclusive.

Effective January 01, 2011 - Account holders are required to obtain a physician prescription if purchasing over-the-counter drugs, to be considered an eligible reimbursement expense against an HSA.

This change impacts over-the-counter items falling under the following categories:

  • Allergy & Sinus
  • Cold & Flu
  • Pain Relief
  • Respiratory Treatments
  • Sleep Aids
  • Stomach remedies


Although it may not be needed at the time of purchase, it is recommended that HSA account holders keep prescriptions along with receipts in their records in case they are ever audited.

Expenses incurred for over-the-counter medicines or drugs purchased without a prescription before January 1, 2011 may be reimbursed tax-free at any time. Click here for further OTC guidance provided by the IRS.

Click on the link below to find a listing of common HSA-eligible medical expenses which do not require a physician prescription.

Health Savings Account (HSA) Medical Expenses

Listed below are other expenses which the IRS defines as HSA-qualified:

  • Health insurance premiums under COBRA continuation coverage.
  • Health insurance premiums while receiving unemployment compensation.
  • Medicare Part A and Part B premiums.
  • A qualified long-term care insurance contract.