Is birth control HSA eligible?
Yes. Prescribed birth control counts, and so do condoms; since 2020 an HSA can also pay for birth control sold over the counter.
The rule
The IRS lists birth control pills prescribed by a doctor as a medical expense. Since Notice 2024-71 it treats condoms as medical care too, so an HSA can pay for them.
Since the CARES Act, an HSA can pay for medicine sold over the counter without a prescription, which covers birth control pills sold that way.
A legal sterilization, including a vasectomy, counts, and so does a pregnancy test kit.
Paid yourself, it waits in the HSA until you take the money out, this year or decades from now.
- What to keep
- The pharmacy or clinic receipt with the date and what you paid.
Checked on October 2, 2026 against Publication 502, Medical and Dental Expenses, Publication 969, Health Savings Accounts and IR-2020-122, the CARES Act and health spending accounts. An estimate for your records, not tax advice.
Keep the receipt. Take the money out later.
Pay a medical bill yourself and Reimburse keeps the receipt, with who it was for, until you take the money out of your HSA tax-free.