The Complete HSA Eligibility List

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: HSAs, FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Here it is — the most-comprehensive eligibility list available on the web. From A to Z, items and services deemed eligible for tax-free spending with your Flexible Spending Account (FSA), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA) and more will be here, complete with details and requirements. Important Reminder: FSAs, HRAs and other account types listed may not all be the same. Be sure to check with your administrator to confirm if something is eligible before making a purchase.

Adoption (fees associated with and medical expenses for adopted child): HSA Eligibility

Adoption (fees associated with and medical expenses for adopted child): reimbursement is not eligible with a Health Savings Account (HSA)
The expenses associated with the adoption of a child are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or dependent care flexible spending account (DCFSA). The qualifying medical expenses of a dependent adopted child are eligible wih an FSA, HSA or HRA.

Fees associated with the adoption of a child are not eligible.

How does the adoption process work?

The adoption process can vary greatly from state to state, but in terms of tax purposes for the new parents, the following steps will need to be completed before an adopted child can be listed as a dependent on a tax return or qualify for dependent medical expenses (Internal Revenue Service).

  • Adoption Decree: This is the legal document that states that the adopted child is the legal child of the adoptive parent that is issued by the court. This is also called an adoption certificate.
  • Social Security Card: If the child already has a Social Security number upon adoption, parents have the option of keeping this number or having a new one assigned. The Social Security Administration should be contacted after the adoption to ensure that everything is registered correctly and the parents' status is correct.
  • Amended Birth Certificate: This certificate is issued after the child has been adopted, but it will list the adopted parents as the parents. The child will have both the amended birth certificate and the original birth certificate to use throughout life.

After an adopted child becomes a legal dependent, medical expenses for the qualifying dependent child will be eligible under FSAs, HSAs and HRAs. No fees associated with the adoption process are eligible for reimbursement, but these accounts can cover medical expenses for as long as they are listed as a dependent.

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