Treatments & services
Is health insurance premiums FSA eligible?
No — health insurance premiums cannot be paid or reimbursed from a health FSA.
Premiums are the most common FSA misconception: the IRS excludes them entirely, including COBRA, marketplace, Medicare, and employer-plan premiums. (HSAs have narrow exceptions — COBRA premiums, certain Medicare premiums at 65+, and some long-term-care premiums — but for an FSA the answer is a flat no.)
Not eligible — find a close match instead
Health insurance premiums doesn't qualify on its own, but a near neighbor often does — the medicated or SPF version of a product, or an in-office treatment instead of the at-home one. Search the eligibility checker for an alternative your FSA will cover.
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.