Emergency contraception
Emergency contraception is an eligible medical expense for HSA, FSA, and HRA accounts.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Emergency contraception is considered a qualified medical expense because it is a medication used for the prevention of pregnancy, which is a medical condition. Under IRS rules, expenses paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, and for treatments affecting any structure or function of the body, are generally eligible. Since the CARES Act, over-the-counter medicines, including emergency contraception, are eligible without a prescription.
When It Qualifies
- •The expense must be for the primary purpose of preventing pregnancy.
When It Doesn't
- •Expenses for general health or wellness that do not treat or prevent a specific medical condition are not eligible.
Similar Items
Official Source
IRS Publication 502
What Are Medical Expenses?
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have varying requirements. Always retain your receipts for substantiation. This information is for educational purposes only and not tax or legal advice.