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Qualifying Expenses

Thank you for choosing Healthcare Bank to be your HSA provider. We want to make it easy for you to manage and maintain your Health Savings Account. Review the following expenses that are eligible for Health Savings Accounts (HSA).

The rules for HSAs are similar to those that apply to individual retirement accounts. Funds in the HSA can grow tax-free and be used tax-free for qualified healthcare expenses. Using the funds for non-qualified expenses can result in IRS penalties. Eligible expenses are typically those allowed under a Flexible Spending Account (see FSA Qualified Expenses).

You can use your HSA dollars and Your Card to pay for:

  • Routine health care: office visits, X-rays, lab work
  • Hospital expenses: room and board, surgery
  • Medications: prescription and over-the-counter (OTC) drugs when prescribed by a physician
  • Dental care: cleanings, fillings, crowns
  • Vision care: eye exams, glasses, contacts
  • Copays and coinsurance (the portions of health care bills paid by you)
  • Eligible over-the-counter (OTC) items*
  • First Aid Dressings and Supplies - bandages, rubbing alcohol
  • Contact Lens Solutions/Supplies
  • Diagnostic Products like thermometers, blood pressure monitors, cholesterol testing
  • Insulin and Diabetic Testing Supplies

*The list of eligible OTC items changed per the Patient Protection and Affordable Care Act of 2010. Contact your Plan Administratorformore information or visit for details.