Prenatal care
Yes, prenatal care is an eligible expense for HSA, FSA, and HRA accounts.
Eligible for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Prenatal care is considered medical care because it is for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body, specifically related to pregnancy. The IRS allows expenses paid for medical care, which includes obstetric care, to be reimbursed from these accounts.
When It Qualifies
- •The care must be provided by a licensed medical professional.
- •The expenses must be for legitimate medical services related to pregnancy.
When It Doesn't
- •Expenses primarily for general health or wellness that are not directly related to the medical care of pregnancy (e.g., certain non-medical spa services).
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While this information is based on IRS guidelines, individual plan administrators may have specific requirements. Always retain your receipts for substantiation and consult with your plan administrator for definitive eligibility.