Does HSA cover Wegovy?
Prescription Wegovy is HSA-eligible when a doctor prescribes it to treat diagnosed obesity or a related condition — not when it's used for general weight loss.
What flips the answer
- Covered when
It's prescribed to treat diagnosed obesity or a related condition like hypertension or heart disease.
- Not covered when
It's used for general weight loss or appearance without a physician's diagnosis of a specific condition.
- Not covered when
There's no valid prescription behind the purchase.
Wegovy (semaglutide) is a prescription drug approved to treat obesity. A prescribed drug used to treat a specific medical condition is a qualified medical expense, so an HSA can pay for Wegovy when it's prescribed for diagnosed obesity or a related condition with pre-tax dollars.
The IRS line is between disease treatment and general health or appearance. Weight loss undertaken to treat a physician-diagnosed condition (such as obesity, hypertension, or heart disease) qualifies; weight loss to improve general appearance or well-being does not.
If your plan covers part of the cost, the HSA can cover the rest of your out-of-pocket share. Keeping the prescription and the underlying diagnosis on record is what substantiates the expense if it's ever questioned.
That's the general answer. Yours is written in your actual policy.
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