Does HSA cover Plan B?
Plan B and other emergency contraception are qualified HSA expenses — the IRS treats birth control, including OTC emergency contraceptives, as medical care.
What flips the answer
- Covered when
The purchase is emergency contraception (e.g., Plan B) or another contraceptive — eligible as birth control.
- Not covered when
The product is a general wellness or fertility-tracking item rather than an actual contraceptive or medical service.
IRS Publication 502 lists birth control and contraceptives as qualified medical expenses. Emergency contraception like Plan B qualifies on that basis, and because it's available over the counter, no prescription is required to buy it with HSA funds.
The same treatment applies across contraceptive methods — prescription birth control, IUDs, and other prescribed contraceptives are all qualified expenses, as are the office visits associated with them.
An itemized receipt is enough to substantiate an OTC purchase like Plan B. Because HSA funds roll over and don't expire, you can also reimburse yourself later from a saved receipt if you paid out of pocket at the time.
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