Treatments & services
Is co-pays & deductibles FSA eligible?
Yes — medical, dental, and vision co-pays, coinsurance, and deductibles are FSA and HSA eligible.
Your out-of-pocket share of covered care is a core qualified expense — office-visit co-pays, coinsurance percentages, and everything you pay before the deductible kicks in. The one thing people mix up: insurance premiums themselves are generally NOT FSA eligible, even though the care underneath them is.
How to pay for it
- Tap your FSA/HSA debit card at checkout — most pharmacies, optical shops, and many online retailers take it directly.
- Buying online? FSA-only stores pre-filter their catalog to qualified items, so nothing in your cart bounces at checkout.
- No card on hand? Pay out of pocket and file a claim with your administrator — just keep the itemized receipt (a photo is fine).
Does the same answer apply to an HSA?
Yes. FSAs and HSAs share the same qualified-medical-expense rules (IRS Publication 502), so eligibility is identical. The difference is the deadline: FSA money is forfeited at the end of the plan year, while HSA money never expires.
Last reviewed 2026-06-11. Based on IRS Publication 502 and published IRS guidance. Not tax or medical advice — your plan administrator has the final say.