Lab tests
Lab tests are generally eligible for HSA, FSA, and HRA funds when used for the diagnosis, cure, mitigation, treatment, or prevention of disease.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS defines medical expenses as amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. Lab tests are typically used for these purposes, such as diagnosing conditions, monitoring treatments, or screening for diseases.
When It Qualifies
- •The lab test must be for the diagnosis, cure, mitigation, treatment, or prevention of a disease.
- •The lab test must be for the purpose of affecting any structure or function of the body.
When It Doesn't
- •Lab tests for general health or cosmetic purposes that are not related to a specific medical condition or diagnosis are not eligible.
- •Tests for illegal purposes are not eligible.
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 their own substantiation requirements. Always retain detailed receipts and consult your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.