Weight loss surgery
Weight loss surgery is eligible for HSA, FSA, and HRA when performed to treat a diagnosed medical condition, such as obesity.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The surgery must be performed to treat a specific diagnosed medical condition, such as obesity, as determined by a physician.
Your plan administrator may require a Letter of Medical Necessity from your doctor to substantiate that the surgery is medically necessary to treat a diagnosed condition.
Quick Reference
The IRS allows medical expenses for the treatment of a disease. Obesity is recognized as a disease, and therefore, weight loss surgery performed to treat obesity or another diagnosed medical condition is a qualified medical expense. This eligibility does not extend to procedures undertaken solely for general health improvement or cosmetic reasons.
When It Qualifies
- •The surgery must be for the treatment of a specific diagnosed medical condition (e.g., obesity).
- •A physician must determine the medical necessity of the surgery.
When It Doesn't
- •Weight loss surgery for general health improvement.
- •Weight loss surgery for cosmetic reasons.
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 by plan. Always confirm with your specific HSA, FSA, or HRA administrator. Keep all receipts and documentation, including any Letters of Medical Necessity, for tax purposes. This information is for educational purposes only and not tax or legal advice.