Therapy sessions
Therapy sessions are eligible for HSA, FSA, and HRA when used to treat a diagnosed medical condition.
Eligible with Requirements for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
Must be treating a diagnosed medical condition
The therapy must be for the diagnosis, cure, mitigation, treatment, or prevention of a specific mental disease or condition, as diagnosed by a licensed medical professional.
Quick Reference
The IRS considers amounts paid for psychiatric and psychological care as qualified medical expenses. This includes therapy sessions aimed at the diagnosis, cure, mitigation, treatment, or prevention of a mental disease or condition.
When It Qualifies
- •The therapy must be for the treatment of a diagnosed mental health condition by a licensed practitioner.
- •Expenses must be primarily for the prevention or alleviation of a mental defect or illness.
When It Doesn't
- •Therapy for general wellness, self-improvement, personal growth, or marital counseling not related to a diagnosed medical condition is not eligible.
- •Expenses for services that are solely for the benefit of general health or to relieve mental anguish not rising to the level of a diagnosed condition are generally not eligible.
Official Source
IRS Publication 502
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
Always check with your specific plan administrator as rules can vary. Keep detailed records and receipts for all expenses.