5 At-Home Tech Tools Your HSA May Cover

Key takeaways:

High-tech health devices make it easier than ever to manage and monitor your health at home, and many options are HSA eligible.
These devices can help measure blood sugar levels, relieve pain, track your baby’s movement, and more.
Before purchasing a device, confirm that it’s HSA eligible, fits your budget, and is appropriate for your needs.

Many people rely on at-home health devices to support personal and family health, including managing chronic conditions, navigating short-term illnesses, and caring for infants.

These tools can save time, support at-home monitoring, and help improve quality of life. Several of these products may also be HSA eligible when they serve a clear medical purpose.

Below, we’ll cover five types of high-tech health tools that qualify for HSA use.

What Is At-Home Health Technology?

Let’s start by defining what kinds of products are considered “at-home health technology.”

These are everyday devices that help you monitor, manage, or support your health at home. They differ from hospital-level technology, which tends to be larger, more powerful, and designed for more comprehensive, on-site treatment.

You might use home health devices for:

Regular check-ins
Condition monitoring
Symptom management
Infant wellbeing

The categories of health tech products listed below include HSA eligible options. You can check whether a specific item is covered in our HSA Eligibility List™.

1. Blood Sugar Monitors

Managing diabetes requires regularly checking blood sugar (glucose) levels. Blood sugar monitors are devices that help people with diabetes measure their blood glucose levels at home. They provide fast readings and help streamline diabetes management.

Standard blood sugar monitors use a small amount of blood from a fingerprick. They give a snapshot of your levels. Continuous glucose monitors provide readings 24 hours a day using a sensor inserted under the skin. Both types of devices can send data to smartphone apps.

Blood sugar monitors and their supplies (lancets, lancing devices, and test strips) are HSA eligible. Your insurance may partially cover the supplies, and you can use HSA funds to make up the difference. Buying test strips in bulk can also help you save.

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2. Digital Thermometers

At-home thermometers are helpful for family illnesses and routine care. These days, most thermometers in homes are digital. The two main types are contact and remote.

Contact thermometers use heat sensors to measure body temperature and can be placed on the forehead, mouth, armpit, or rectum. Remote thermometers use an infrared sensor or ray and don’t require skin contact. This allows people to remain further apart. You can use them on the head or ear.

Digital thermometers give quick readings and are more accurate and convenient than the once-common mercury thermometers. Plus, mercury thermometers were encased in glass and could break, leaking a toxic substance.

Many digital thermometers are also Bluetooth-enabled and can sync the data right to your smartphone, where you can track body temperature alongside other symptoms.

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3. Light Therapy Devices for Acne

There’s no shortage of at-home acne treatments, including patches, solutions, and washes. One of the newer home treatments is light therapy devices, such as masks and wands.

They use different wavelengths of light (usually red or blue) to kill bacteria that cause acne and reduce the inflammation associated with it. Light therapy for acne is noninvasive, easy to use at home, and works best for mild to moderate inflammatory acne. It’s not recommended for cysts, blackheads, or whiteheads.

To see results, you’ll need to use your device regularly: The Cleveland Clinic recommends twice a day for several weeks.

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4. Pain Relief Devices

For years, pain relief meant taking a variety of different pills, visiting a lot of doctors, and maybe even undergoing some invasive treatments. Nowadays, treating pain can be as simple as applying a wrap to your joint or muscle. At-home products such as these can help with muscle soreness, joint pain, migraines, and general discomfort.

Heat wraps help block pain signals, relax muscles, reduce spasms, and improve muscle flexibility. EMS tools use gentle electrical impulses to stimulate muscles. They can help with muscle spasms, the prevention of muscle atrophy, or the improvement of muscle function after a stroke, serious injury, or major surgery.

TENS units also use electrical impulses for pain relief. But they stimulate nerves instead of muscles. They can help with pain from surgery, fibromyalgia, osteoarthritis, migraines, and low back conditions.

These high-tech devices can noninvasively ease pain and improve muscle function without medication. They’re a huge breakthrough for people who deal with chronic aches and pains.

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5. Baby Health Monitors

Adults aren't the only ones benefiting from high-tech advances in healthcare. Baby health monitors can give insight into an infant’s development by measuring oxygen levels, noting movements, and observing sleep patterns.

Many baby monitors also offer apps that let you identify trends over time. Plus, they can notify you through the app if your baby needs attention.

Tracking your baby's health can help you keep a close eye on their quality of life and give new parents peace of mind.

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How to Choose the Right Device

With so many devices available and HSA eligible, it can be hard to decide on the best one for you.

Here are a few questions to help you narrow down your options:

What health goal do I want this device to support?
Which features do I actually need?
Is it easy for me to use?
If it uses an app, is it compatible with my phone or device?
How often will I use it?
Does the price fit my budget, including HSA funds if I want to use them?

You’ll still want to check that any product you’re considering qualifies for HSA coverage, including whether it requires a Letter of Medical Necessity (LMN) from your provider.

PRO TIP: At HSA Store®, we take the guesswork out of finding the right tech for your health. Everything is HSA eligible and clearly marked when an LMN is needed.

In Summary

At-home health tools can support daily health in simple but meaningful ways. Devices make it easier to manage chronic conditions, monitor symptoms of acute illnesses, and relieve chronic pain. And more of them are becoming HSA eligible every day.

Before choosing a device, make sure it fits your personal needs and routine, is within your budget, and treats your condition.