Can I Use My HSA for a Breast Pump and Supplies?

Health Savings Accounts (HSAs) offer a tax-advantaged way to save and pay for qualified medical expenses. Funds contributed to an HSA can grow tax-free and be withdrawn tax-free for eligible medical expenses.

Breast Pumps and HSA Eligibility

Breast pumps, whether manual, electric, or rented, are recognized as qualified medical expenses by the Internal Revenue Service (IRS). This eligibility extends to essential supplies needed for their operation, such as collection bottles, storage bags, tubing, and cleaning kits. These items generally fall under the definition of “medical care” or “medical equipment.” While a doctor’s note or prescription is not typically required, retaining related documentation is a good practice for personal records.

Other Eligible Maternity and Baby Expenses

Many other maternity and baby-related expenses also qualify for HSA eligibility. These include costs associated with prenatal and postnatal care, such as doctor visits, hospital stays for delivery, and related medical tests. Fees for lactation consultants are often covered, as are certain fertility treatments that address a diagnosed medical condition. Some over-the-counter medications, if prescribed or intended to treat a specific medical condition, may also qualify, along with items like bandages or first-aid supplies for the baby. The expense must primarily be for medical care to be eligible, distinguishing them from general comfort items or non-medical supplies like diapers or regular infant formula, which are generally not eligible unless for a specific medical necessity.

Using Your HSA for Reimbursement

Accessing HSA funds for qualified medical expenses generally involves two methods. Many HSA providers issue a debit card linked to your account, allowing you to pay for eligible expenses at the point of purchase. Alternatively, you can pay out-of-pocket using personal funds and then reimburse yourself from your HSA. For reimbursement, submit a claim to your HSA administrator, often through an online portal, providing details such as the date of service, the provider’s name, and the amount of the expense.

Record Keeping for HSA Purchases

Maintain records for all HSA-funded expenses. Keep receipts, detailed invoices, and Explanation of Benefits (EOB) statements from your health insurance provider. For items that require medical necessity, retain doctor’s notes or prescriptions for substantiation. These documents help verify the legitimacy of your expenses in the event of an IRS audit. Records can be stored physically or digitally, but ensuring their accessibility and completeness is important for compliance.