Pay for your family's health care

You have plenty of options for using your HSA to pay for qualified medical expenses as they happen or in the future.

How can you spend from your HSA?

When you, your spouse, and your dependents have qualified medical expenses that aren't covered by your health care plan, you can use your HSA money tax-free1 to pay for them. There are multiple ways you can spend from your HSA.

What's considered a qualified medical expense?


  • Office visits
  • Diagnostic testing
  • Surgical procedures
  • Over-the-counter
  • medications
  • Prescriptions


  • Fillings
  • Cleanings
  • Braces
  • Artificial teeth


  • Exams
  • Glasses
  • Contact lenses
  • Corrective surgery


  • Counseling
  • Cessation programs
  • COVID-19 tests
  • Face masks
  • Hand sanitizer and sanitizing wipes

For more information and a complete list of qualified medical expenses, see IRS Publication 502.

At age 65, you can spend your HSA dollars on anything, not just medical expenses, and you won't incur the 20%

penalty. The withdrawal will just count toward your gross annual income.

Ready to get started?

Already have a Fidelity HSA?

Opened by me

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Opened through my employer

Sign in to NetBenefits® to access/activate your employer-offered HSA.