HSA Eligible Products & Services

Select one of the following categories below to browse or search HSA eligible products, services, and expenses.

Eligible OTC Expenses

Did you know you can buy thousands of over-the-counter (OTC) products with your Health Savings Account (HSA)? HSAstore.com makes it easy to shop for everyday healthcare products with your HSA, especially those that require additional documentation. Due to changes introduced by the Affordable Care Act in 2011, you must have a prescription for any over-the-counter medications - or products containing an active medical ingredient - for HSA reimbursement. Products not containing an active medical ingredient do not require a prescription.

HSA Eligible Medical Items

That DO NOT require a Doctor's Prescription

HSA eligible products designated with this symbol can be purchased with an HSA and do not require a prescription

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    HSA Eligible Medical Items

    That DO require a Doctor's Prescription

    HSA eligible with prescription products designated with this symbol require a prescription to be purchased with an HSA.

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      Eligible Products & Services List

      Note: The IRS defines which medical expenses are eligible under a Health Savings Account (HSA) and the products carried on HSA Store are in compliance with these requirements. However, it is important for HSA holders to research and understand the guidelines of their HSA as well as maintain all copies of appropriate documentation for eligible products and services. For HSA-Rx marked products, the HSA holder should have a valid prescription on file before purchasing.

      Expense Type

      Details

      Lab Fees

      Lab fees are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lab fees are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Laboratory Fees

      Laboratory fees are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Laboratory fees are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Lactaid

      Lactaid with a prescription from a medical doctor is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Lactaid is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Lactation Aids

      Lactation aids are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lactation aids are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Lactation Consultant

      Lactation consultant services are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Lactation consultant services are not eligible for reimbursement with a dependent care flexible spending account (DCFSA) and a limited care flexible spending account (LCFSA).

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      Lactose Intolerance Medications

      Lactose intolerance medications with a prescription from a medical doctor are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Lactose intolerance medications are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Lamaze Classes

      Lamaze classes are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lamaze classes are not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Language Training

      When required for the treatment of a medical condition, language training may be an eligible expense with a Letter of Medical Necessity (LMN) from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Language training reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lanolin

      Lanolin is an eligible over-the-counter (OTC) item that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lanolin reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lap Band Surgery

      Lap band surgery is an eligible expense with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Lap band surgery reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Laser Eye Surgery

      Laser eye surgery is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), and limited care flexible spending accounts (LCFSA). They are not eligible for reimbursement with dependent care flexible spending accounts.

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      Laser Hair Removal

      Laser hair removal reimbursement is considered a cosmetic procedure and therefore not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lasik

      LASIK is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA) and limited care flexible spending accounts (LCFSA). They are not eligible for reimbursement with dependent care flexible spending accounts (DCFSA).

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      Late Payment Provider Fees

      Late payment provider fees are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Late Pickup Fees

      Late pickup fees are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Laxatives

      Laxatives are eligible with a prescription by a medical doctor for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Laxatives are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Lead-Based Paint Removal

      Lead-based paint removal with a Letter of Medical Necessity (LMN) from a medical doctor is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Lead-based paint removal is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Learning Disability Treatment

      Learning disability treatments with a Letter of Medical Necessity (LMN) from a medical doctor are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Learning disability treatments are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Legal Abortion

      Legal abortion reimbursement is eligible if the procedure is legal under state law with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Legal abortion reimbursement is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Legal Fees

      Legal fees with a Letter of Medical Necessity (LMN) from a medical doctor are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Legal fees are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Legal Fees in connection with fertility treatments

      Legal fees in connection with fertility treatments in connection with a medical service for the account holder or qualified dependent are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Legal fees in connection with fertility treatments reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lessons

      When required for the treatment of a medical condition, fees paid for lessons may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lessons reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lice Treatment

      Lice treatment is an eligible over-the-counter (OTC) item with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement (HRA). Lice treatment reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Life Alert Emergency Medical Alert System

      Life Alert Emergency Medical Alert System reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Life Alert Emergency Medical Alert System reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lifetime care advance payment

      Lifetime care advance payments related to assisted living are never eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Light Therapy

      Light therapy is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Light therapy reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lip Balm (SPF 15+)

      Lip balm with an SPF of 15 or greater is an eligible over-the-counter (OTC) product that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lip balm reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Liposuction

      Liposuction is a cosmetic procedure and therefore not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lipstick

      Lipstick is a cosmetic expense and therefore not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Liquid Adhesive for small cuts

      Liquid adhesive for small cuts is an eligible over-the-counter (OTC) product that does not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Liquid adhesive for small cuts reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Listening Therapy

      Listening therapy is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Listening therapy is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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      Lodging at a Medical Conference

      Lodging at a medical conference is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lodging for Medical Care

      Lodging for medical care is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lodging for medical care is not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Lodging of a Companion

      Lodging of a companion is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Lodging of a companion is not eligible with a dependent care flexible spending account (DCFSA), or a limited care flexible spending account (LCFSA).

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      Long Term Care

      Long term care expenses are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Long Term Care Premiums

      Long term care premiums are not eligible on an FSA, but may be eligible with a health reimbursement arrangement (HRA) and are eligible on a health savings account (HSA) unless already paid for with pre-tax dollars. Long term care premiums reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Long Term Disability Insurance

      Long term disability insurance is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lubricants

      Lubricants are eligible over-the-counter (OTC) medicines with a prescription from a doctor with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lubricants reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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      Lumbar Support

      Lumbar support is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Lumbar support reimbursement is not eligible with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).

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