What Expenses to Expect When You’re Expecting
Pregnancy is an incredibly exciting and transformative time in a woman’s life, but it can also bring about various expenses. Fortunately, if you have an HSA, you may be able to utilize its benefits to cover a wide range of essential pregnancy and must-have baby items while enjoying valuable tax advantages.
Check out all the eligible baby/pregnancy related items below (as well as those that aren’t eligible). You can also shop directly from the HSA Store.
Qualified Expenses
| Baby Breathing Monitor | Baby Rash Ointment and Cream | Baby/Children’s Sunscreen |
| Birth Control/Contraceptives | Birthing Coach* | Birthing Classes* |
| Breast Milk Storage Bottles or Bags | Breast Pump | Breast Pump Bustier |
| Breastfeeding Classes | Childbirth | Child Medical Care |
| Childbirth Classes | Circumcision | Diaper Rash Cream & Ointment |
| Disposable Bra Pads for Nursing | Doula* | Egg and Embryo Storage Fees* |
| Egg Donor Fees* | Egg Recipient Fees* | Electrolyte Replacements (Baby) |
| Feminine Hygiene Products | Fertility Enhancement | Fertility Monitor |
| Fertility Treatment | Gel Breast Pads | Hospital Care |
| Hospital Insurance Premiums | Infant Formula* | Infertility Treatment |
| Kids Training Pants* | Lactation Consultant | Lamaze Classes |
| Lanolin | Pregnancy Aids | Pregnancy and Fertility Kits |
| Pregnancy Tests | Prenatal Vitamins | Prenatal Ultrasound |
| Sanitary Pads | Sea-band for Motion Sickness | Sitz Bath |
| Ultrasound | Umbilical cord blood storage* | Vaccinations |
Ineligible Expenses
| Adoption | After-School Care | Agency Fee for Child Care |
| Baby Bottles | Baby Oil | Baby Powder |
| Babysitting/Childcare | Car Seats | Daycare |
| Diapers | Surrogate Mother | Maternity Clothes |
*Indicates that item is only eligible with a Letter of Medical Necessity (LMN). To view the full list of qualified medical expenses, visit www.irs.gov and view IRS Publication 502. If you are unsure if something qualifies as an eligible expense, we recommend consulting with a licensed tax advisor.