Maximizing Your HSA: Common Wellness Purchases That Qualify for Tax Savings

Admin Team
Jan 22
2 min read

One of the biggest missed opportunities with HSAs is assuming they’re limited to doctor visits and prescriptions. In reality, many wellness-forward purchases can qualify when they support treatment, prevention, or functional improvement—and when documentation is done right.

Here are some commonly purchased items clients are already buying out of pocket that may qualify for tax-free HSA use.

1. Ergonomic Furniture for Home & Office

If a client works at a desk (which… most humans do), ergonomics can directly support musculoskeletal health.

Potentially eligible items include:

Ergonomic office chairs
Sit-to-stand desks
Lumbar support cushions
Monitor risers and keyboard supports

Best practice:These items typically require a Letter of Medical Necessity (LMN) documenting conditions like neck pain, back pain, postural strain, or repetitive stress injuries.

2. Therapeutic Sleep Support

Sleep is not a luxury; it’s medical-grade recovery.

Products like Bioposture mattresses and pillows may qualify when prescribed to support:

Spinal alignment
Chronic pain
Postural correction
Sleep-related musculoskeletal issues

Again, documentation is key.

3. Recovery & Bodywork Devices

Many clients already invest in recovery tools, but don’t realize they may be HSA-eligible.

Examples include products such as:

Percussive massage devices
Compression therapy tools
Recovery-focused wellness equipment
Infrared Sauna (FDA approved, like Sauna Space)

When these tools are used to support injury recovery, chronic pain, or physical therapy, they may qualify with proper medical documentation.

4. Supplements & Targeted Wellness Support

Supplements are one of the most misunderstood categories.

Through platforms like Fullscript, clients often purchase:

Therapeutic-grade supplements
Gut, hormone, or inflammation support
Nutritional protocols tied to lab findings

Important note: Supplements typically require a Letter of Medical Necessity stating they are part of a treatment or preventive care plan, not general wellness. However, you can still purchase them using an HSA. Keep in mind that a store that allows HSA checkout doesn't necessarily mean it's IRS-approved.

5. The Non-Negotiable Step: Medical Documentation

This is where strategy turns into protection.

To keep HSA dollars tax-free:

A licensed provider should evaluate the need
A Letter of Medical Necessity should be issued before or at the time of purchase
Receipts and documentation should be saved

This keeps clients compliant, confident, and audit-ready.

Bottom Line - How to use HSA tax savings benefit

HSAs aren’t just for sick care; they’re for strategic care.

When clients pair:

✔ Smart HSA funding

✔ Thoughtful wellness investments

✔ Proper medical documentation

They’re not spending more, they’re spending smarter, using pre-tax dollars to support how they actually live and work.

*Some of these links are recommendations obtained from https://drzoyarareyes.com/shop-favorites.