You can use HSA funds to pay for a wide range of eligible medical expenses tax-free—including doctor visits, prescriptions, dental and vision care, hearing services, and chiropractic visits. You can also use your HSA to pay for medical care for your spouse or dependents, even if they aren’t on your insurance plan.
In 2025, over-the-counter medications like pain relievers and allergy medicine are once again eligible expenses, even without a prescription. Certain insurance premiums—like COBRA, long-term care, and Medicare Part B and D—can also be paid with HSA funds.