Does HSA cover pregnancy tests?
Home pregnancy test kits are a qualified HSA expense — the IRS treats them as diagnostic devices, so you can buy them with HSA funds and no prescription is required.
What flips the answer
- Covered when
The item is a home pregnancy test kit or similar diagnostic device — eligible on its face with just a receipt.
- Not covered when
The purchase is a general fertility-tracking app or wearable rather than a diagnostic test kit, with no medical-device function.
IRS Publication 502 specifically lists pregnancy test kits as a qualified medical expense, because a diagnostic device used to detect a medical condition counts as medical care. That puts them squarely on the eligible list for both HSA and FSA dollars.
No Letter of Medical Necessity or prescription is needed — a pregnancy test is eligible on its face, so an itemized receipt is enough to substantiate the purchase if your plan ever asks.
Related diagnostic products a doctor's office would use, and ovulation-prediction kits, are also commonly treated as eligible on the same diagnostic-device logic. General fertility-tracking apps or wearables, which aren't diagnostic devices, are a different question and usually aren't covered.
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