Smart HSA solutions for big health costs
Put your HSA to work on the care that costs the most.
Let’s face it—healthcare can be expensive, even when it’s for things you plan for, like vision correction, fertility care, or long-term treatment. But here’s the upside: your Health Savings Account (HSA) was designed to help. With built-in tax savings and broad coverage, it’s one of the most powerful tools you have to take control of your health expenses. From big-ticket procedures to ongoing care, your HSA can help make essential health decisions feel more manageable—and a little less stressful.
How your HSA helps
Your HSA lets you set aside money pre-tax for qualified medical expenses—giving you more spending power for the care you need. Unlike other accounts, your funds roll over year after year and grow tax-free. That means you can build a financial cushion now and use it whenever you’re ready—whether for a planned procedure or something unexpected.
High-cost HSA eligible expenses
Your HSA does more than cover the basics. It can also be used for a wide range of higher-cost healthcare needs—things that can really add up, but are often essential to your long-term well-being.
Here are some of the bigger-ticket items your HSA can help cover:
Medical Services & Treatments
- Hospital and physical therapy bills
- X-rays
- Long-term care services
- In-home nursing care
- Nursing home fees
Dental Care
- Cleanings, exams, and X-rays
- Fillings, crowns, and root canals
- Extractions
- Dentures and bridges
- Periodontal treatment (gum disease)
- Braces (if medically necessary)
Insurance Premiums
- Medicare premiums (eligible for HSA if you’re 65+ and not using the HSA to pay for a Medicare supplement plan)
- COBRA premiums (HSA eligible)
- Long-term care insurance premiums (HSA eligible, with age-based limits)
Prescription, Medical Supplies & Home Safety
- Prescription drugs and insulin
- Hearing aids
- Wheelchairs and walkers
- Defibrillators
- Modifications to your home to help you get around safely (e.g., ramps, handrails)
Featured Products
Philips HeartStart Home Defibrillator (AED)
Drive Go-Lite Bariatric Rollator
Drive Silver Sport 2 Wheelchair, 20"
Vision Care
- Prescription eyeglasses
- Prescription sunglasses
- Contact lenses and supplies
- LASIK or PRK eye surgery
- Cataract surgery
- Eye exams
- Specialty lenses (e.g., progressive, bifocal)
- Vision correction procedures (when medically necessary)
Featured Products
ThinOPTICS Reading Glasses on your Phone, +2.00
Windmill Readers 302 Grey, +1.50
Systane Soothing Eye Drops for Contacts
Caring Mill Monthly Contact Lens Cases
Bausch + Lomb Biotrue Multi-Purpose Solution for Soft Contact Lenses
Hi-Tech Health
Your HSA can be used for advanced medical devices that support long-term health and day-to-day management. These aren’t just gadgets—they’re essential tools for monitoring conditions, managing pain, and improving quality of life.
Here are some eligible hi-tech health investments:
- CPAP machines and supplies (for sleep apnea)
- Blood pressure monitors
- Continuous glucose monitors (CGMs) and sensors
- Insulin pumps
- TENS units (for pain relief)
- Hearing aids
- Smart thermometers (clinical-grade)
- Heart rate monitors
- Medical-grade recovery devices
Featured Products
Lexie B2 Plus Self-Fitting OTC Hearing Aids Powered by Bose
Telehealth Services
Some of the most valuable care doesn’t require a waiting room. With our telehealth partners, you can access expert treatment and support from home—often for a fraction of the cost of in-person visits. And yes, your HSA can be used to cover it.
Here are just a few high-cost services you can now access through telehealth:
- Hormone therapy
- Hearing aids
- Fertility treatments
- GLP-1 weight loss treatments
- Prescriptions
- Sleep apnea
- Lab testing
- Therapy
Shop smarter with your HSA
Navigating high-cost healthcare can be overwhelming—but finding eligible products and answers shouldn’t be. At HSA Store, we make it easy to use your Health Savings Account with over 2,500 HSA-eligible products and services, all in one place.
No guesswork. No confusing fine print. Just clearly marked items, expert-backed resources, and helpful tools to guide your decisions. Whether you're managing long-term care or planning for a big procedure, we’re here to help you shop confidently and make the most of your HSA.
Explore your options and start putting your HSA to work.
Summary: High-cost healthcare expenses that are HSA-eligible
Some high-cost HSA-eligible expenses include items like wheelchairs, walkers, and hearing aids, Medicare and COBRA premiums, and nursing care and nursing home costs.
