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Employee Benefits

Smart Ways to Use Your HSA Funds – Infographic

By July 13, 2026No Comments
HSA payment card surrounded by eyeglasses, prescription medication, a fitness tracker, first-aid supplies and a blood glucose meter.

A health savings account (HSA) isn’t just for doctor visits; it’s a powerful tool to support your everyday health and well-being. Here’s how to make the most of it:

Dental X-ray, eyeglasses, patient, doctor, prescription bottle and medication

Everyday Medical Care

Use your HSA to cover copays for routine and out-of-pocket healthcare costs, including:

  • Specialty care, lab work and surgeries
  • Prescription medications and insulin
  • Dental care (e.g., cleanings, braces, X-rays)
  • Vision care (e.g., eye exams, glasses)

 

Consumables and Wellness Essentials

Many everyday items qualify, such as:

  • Over-the-counter medications
  • Allergy and skin treatments
  • Menstrual care products
  • Sunblock and first-aid supplies
 Wellness essentials including menstrual care, skin treatment, first aid, sunblock and medication

 

Fitness tracker, sleep monitor, medical nutrition, exercise and therapeutic equipment

Fitness and Health Technology

Some wellness tools may qualify with a letter of medical necessity (LMN):

  • Fitness trackers and heart-rate monitors
  • Sleep monitoring devices
  • Prescribed gym memberships
  • Nutritional supplements for deficiencies
  • Recovery or therapeutic equipment

 

Specialized Treatments and Services

Your HSA can support medically necessary services like:

  • Mental health counseling
  • Nutrition therapy
  • Chronic condition and disease management programs
  • Smoking cessation and addiction recovery
  • Certain holistic or therapeutic treatments
 Nutrition, disease management, smoking cessation, counseling and holistic treatment

 

Hearing aid, medical travel, wheelchair, prosthetic, blood pressure monitor and diabetes supplies

Travel and Medical Equipment

Eligible expenses may include:

  • Travel for medical care (e.g., mileage, lodging and transit)
  • Wheelchairs, walkers and crutches
  • Blood pressure monitors and diabetes supplies
  • Hearing aids and prosthetics

 

For the most complete, up-to-date HSA rules, refer to IRS Publication 502 and IRS Publication 969.

Download the Infographic (PDF)

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