A health savings account (HSA) is a fantastic way to save for the unknown. These tax-advantaged accounts let you store money away for qualified medical expenses, giving you a comfortable buffer to cover deductibles, copayments, and more. You can even use them for dental procedures, optometry services, and other expenses that come with maintaining good health. Click here for more information on HSA eligibility.

But what about pregnancy tests or women's health products? Read on to learn more about HSA eligibility for those more minor expenses.

HSA Funds, Pregnancy, and Birth Control

Birth control and women's health products can come with high costs. Luckily, you can use your HSA in most cases. According to IRS guidelines, anything associated with birth control and menstrual care products is considered qualifying medical expenses.

That includes both prescribed products and over-the-counter products. You can use your HSA to pay for ongoing birth control prescriptions, an intrauterine device (IUD), and more. HSA funds will also cover condoms, tampons, spermicide, and pregnancy tests.

What About Expenses During a Pregnancy?

Your HSA can also help you manage the costs of having a baby and receiving adequate prenatal care. The account will cover OB-GYN visits, prenatal vitamins, and more.

It's also eligible for almost all expenses related to childbirth. That includes the baby's delivery, medications the mother might need, etc.

One thing that your HSA won't cover is diapers. Diapers don't fall under the umbrella of qualified expenses under IRS rules. There's an exception for adult disabled individuals, but diapers for babies are not covered.

Can You Use an HSA on Your Spouse?

You can use your HSA to pay for your spouse's medical expenses. It doesn't matter if you have an individual HSA. You're free to use those funds to pay for qualified medical expenses of your spouse and any other dependents.

As long as those expenses aren't otherwise reimbursed elsewhere, you can use them!

Understanding HSA Eligibility

Many stores are making it easier to find qualifying products, offering easy-to-understand labeling and dedicated HSA sections. But if you're still unsure, refer to IRS guidelines or reach out to your provider.

Read a similar blog about HSA strategy here at this page.