What expenses are not eligible?


  • Health insurance premiums (other than COBRA and select Medicare plans)
  • Non-medical expenses
  • Cosmetic procedures (teeth whitening, cosmetic surgery, etc…)
  • Medicare supplement insurance premiums
  • Expenses reimbursed from any other source

All ineligible HSA distributions are taxable as income and subject to additional tax penalties so it is very important to know what is eligible.