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FAQs >Health Savings Accounts >What are qualified medical expenses?...
  What are qualified medical expenses?
HSAs can be used to pay for many types of medical expenses, even some that are often excluded on health insurance plans. These include:
  • Health insurance plan deductibles, copayments, and coinsurance
  • Prescription and over-the-counter drugs
  • Dental services, including braces, bridges, and crowns
  • Vision care, including glasses and lasik eye surgery
  • Psychiatric and certain psychological treatments
  • Long-term care services
  • Medically-related transportation and lodging

Typically HSAs cannot be used to pay health insurance premiums, although there are exceptions for:
  • Health insurance premiums if you are receiving federal or state unemployment benefits
  • Premiums for COBRA qualified health insurance
  • Certain qualified long-term care insurance premiums
  • Premiums for a health plan (other than a Medicare supplemental policy) for an individual age 65 or older

Note: You must establish an HSA before incurring any expenses or the expenses will not qualify.
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