agenticHSA
Sort your spending · about 2 minutes

What can I use my HSA or FSA for?

Tap what you spend on to find out. You get four piles: what generally qualifies for HSA or FSA money, what counts only as treatment for a diagnosed condition, what is unclear, and the honest no.

How this works. The sorting happens in this browser tab. Nothing you tap is sent, saved or recorded, and it asks for no name, account or health details. The page only counts the visit: the page address, the site you came from, and phone or computer. Every answer cites IRS Publication 502 or 969, or the IRS warning IR-2024-65 (checked 2026-09-29). It is general information, not tax advice, and your plan administrator makes the final call.
Quick-load a stack:
What do you spend on?

Next: care at home for someone chronically ill (seven questions against the long-term-care rule, on your device) · whether an HSA or FSA can pay for care (case by case; it can say no) · log receipts in your on-device ComfortCard folder.

Whose costs · about 1 minute

Can my HSA pay a parent's or relative's medical costs?

HSA money covers you, your spouse and your dependents. For medical costs the law counts more people as dependents than it does for anything else: their own income does not matter. Tap the answers; the check runs in this tab and nothing is sent or saved.

Who are the costs for?
Do you provide over half of their support for the year?
Do they live with you all year as part of your household?
Are they someone else's qualifying child this year?
How do you file?
Are they a US citizen or national, or do they live in the US, Canada or Mexico?
Optional: things people worry about

The law: IRC 223(d)(2)(A) (HSA: you, your spouse, and dependents under section 152 without (b)(1), (b)(2) and (d)(1)(B)) · IRC 152(d) (qualifying relative) · IRC 213(a) (the same rule for the medical-expense deduction) · IRS Publication 969 · IRS Publication 502 · IRS Publication 501 (joint returns). Read 2026-10-28. This checks HSA money only, not an FSA. General information, not tax advice.

Sources: IRS Publication 502 · IRS Publication 969 · IRS IR-2024-65. HSA money covers you, your spouse and your tax dependents: check a parent or relative.