Home health care
Home health care can be eligible for HSA, FSA, and HRA, but its eligibility depends on the specific services provided and their medical necessity.
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Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Not Eligible |
| FSA | Not Eligible |
| HRA | Not Eligible |
Quick Reference
The IRS allows medical expenses for the diagnosis, cure, mitigation, treatment, or prevention of disease. Home health care services can fall under this definition if they are primarily for medical care or for necessary personal care for a chronically ill individual. However, the specific nature of the services determines eligibility.
When It Qualifies
- •Services must be for medical care (e.g., skilled nursing, therapy) or for necessary personal care for a chronically ill individual.
- •For personal care services for a chronically ill individual, they must be provided under a plan of care prescribed by a licensed health care practitioner.
When It Doesn't
- •Expenses for general household help, cooking, cleaning, or non-medical personal care for someone who is not chronically ill are not considered medical expenses.
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
Eligibility can vary based on your specific health plan's rules. Always retain detailed receipts and documentation for all expenses. This information is for educational purposes only and not tax or legal advice.