Can I Use My HSA Card on Amazon for Medical Expenses?

A Health Savings Account (HSA) provides a tax-advantaged method for individuals to save and pay for qualified medical expenses. Many people with HSAs are interested in using their associated debit cards for convenient online purchases. HSA cards can indeed be used on Amazon for items that meet the criteria for qualified medical expenses.

Understanding HSA Eligibility for Purchases

The Internal Revenue Service (IRS) establishes specific guidelines for what constitutes a “qualified medical expense” eligible for HSA funds. These expenses generally include amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for treatments affecting any part or function of the body. Common examples include prescription medications, doctor’s office visits, dental care, vision care, and certain medical equipment.

Not all health-related purchases qualify for HSA reimbursement. Items for general health and wellness, such as vitamins or cosmetic procedures, are not eligible. Distinguish between items for a specific medical condition and those for general personal care. Maintaining receipts and documentation for all HSA purchases is important for audits.

Identifying Qualified Medical Expenses on Amazon

When shopping on Amazon, identifying qualified medical expenses can be straightforward due to the platform’s features. Many eligible products are marked with an “FSA or HSA Eligible” badge directly on the product detail page. This visual indicator helps consumers quickly determine if an item can be purchased with HSA funds.

Amazon also offers a dedicated FSA/HSA Store, centralizing thousands of eligible products. Users can browse categories like health monitors, first aid supplies, certain over-the-counter medications, and home tests. The search function or filters within this store can refine product searches to show only HSA-eligible goods.

Using Your HSA Card on Amazon

To use your HSA card on Amazon, the process is similar to using any other debit or credit card. Add your HSA debit card as a payment method in your Amazon wallet. During checkout, select your HSA card as the preferred payment method.

Amazon’s system identifies eligible items in your cart. If your order mixes eligible and ineligible products, the HSA card may only process payment for qualified medical expenses, requiring an alternative payment method for non-eligible items. In some instances, you may need to pay with a different card and seek reimbursement from your HSA provider by submitting receipts.