Is it HSA or FSA eligible?
Search 41+ products and services, checked against IRS Publication 502. No login, no gate, just the answer.
Browse by category
OTC Medications
Over-the-counter drugs and remedies, eligible without a prescription since the 2020 CARES Act.
Medical Devices & Equipment
Monitors, mobility aids, and equipment used to diagnose or treat a condition.
Vision & Eye Care
Corrective lenses, exams, and eye care products.
Dental Care
Treatment and prevention, minus anything purely cosmetic.
First Aid & Wound Care
Supplies for treating injuries at home.
Baby & Family Care
Pregnancy, nursing, and family medical needs.
Skin & Sun Care
Sun protection and skin treatment, minus cosmetics.
Fitness & Wellness
The category where most rejections live. Good place to build trust by being honest.
Guides
Calculators
Common Questions
Do employer HSA contributions count toward my limit?
Yes — employer contributions count against the same annual limit as your own, not on top of it. See our contribution limits guide for the full 2026 numbers.
What's the actual difference between an HSA and an FSA?
Ownership and rollover, mainly — an HSA is yours and rolls over forever; an FSA is employer-owned and mostly forfeited at year-end. Full comparison in our HSA vs. FSA guide.
Are gym memberships HSA eligible?
Almost never, unless a provider documents it as treatment for a specific diagnosed condition. See our gym membership guide for what actually qualifies.
Does my state tax my HSA?
Only in California and New Jersey — everywhere else follows the federal tax-free treatment. Details in our state tax guide.
Continue Exploring
This page is part of a larger topic cluster. Follow a related hub to move from an answer to the supporting guides, categories, and tools.
HSA-Eligible Expenses
Browse the eligibility network by category, then jump into the specific products and services HSAMaxGuide has checked.
Letters of Medical Necessity
Understand when an LMN may matter, what it needs to establish, and which HSAMaxGuide topics connect to the issue.
HSA Contributions & Eligibility
Connect contribution limits, family rules, self-employed HSA rules, and the tools that help determine what you can contribute.
HSA vs. FSA
Connect the core differences between HSAs and FSAs with eligibility, contribution, reimbursement, and expense questions.
HSA/FSA Reimbursement & Documentation
Connect eligibility rulings with reimbursement timing, receipts, documentation, and the rules that affect how you use the account.
HSA Tax Rules by State
Start with the 50-state reference, then move into the state-specific guides currently published on HSAMaxGuide.
HSA After Age 65 & Medicare
Connect Medicare-related HSA rules with contribution eligibility, reimbursement, investing, and state-tax considerations.