Non-Eligible HSA Expenses: When a Doctor’s Note Isn’t Enough

Some companies are misleading consumers into purchasing non-eligible HSA products, which if claimed on your tax return, could eventually be challenged by the IRS.

closeup of a pink stethoscope and a pile of fake US dollars, on a blue background
(Image credit: Getty Images)

Maxing out your health savings account (HSA) contributions can significantly lower your tax bill, but using those funds for non-eligible items could get you into trouble with the IRS. And the agency may challenge certain purchases, even when consumers have a doctor’s note to justify them. 

The fact is that sometimes, a physician's note isn't enough to make certain products eligible The IRS is warning taxpayers that some marketing campaigns misrepresent what is HSA-eligible and what isn’t.

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Katelyn Washington
Former Tax Writer

Katelyn has more than 6 years of experience working in tax and finance. While she specialized in tax content while working at Kiplinger from 2023 to 2024, Katelyn has also written for digital publications on topics including insurance, retirement, and financial planning and had financial advice commissioned by national print publications. She believes knowledge is the key to success and enjoys providing content that educates and informs.