HSA Consumers

This HSA Consumer section of the website will teach you how to SPEND your money tax free on HSA eligible medical, dental,and vision expenses.  We’re here to help you become a better health care consumer and stretch those tax free HSA dollars. We help you search for the lowest cost products and quality customer service in many different health care industries. Whether you’re funding your own Health Savings Account or your employer is depositing funds for you; it pays to be thrifty when spending your money since the money leftover in the account is yours to keep forever.

HSAconsumer.com (“The HSA Portal for HSA Owners”) brings everything together to provide a better HSA user experience whether your shopping for a prescription, a lab test, or the best HSA bank account. The numerous vendors listed throughout this website are eagerly awaiting to compete for your business, based on price and quality.

BEFORE you spend any HSA money with your HSA debit card or HSA checkbook, please be sure that the expense is included in the lengthy IRS approved list of tax-free medical, dental, and vision expenses that can be found in IRS Publication 502 and 969 on our IRS/Treasury page.  To see a quick “at a glance” list of approved or disapproved expenses, see our Eligible HSA Expenses page

Once you’ve verified it’s an eligible expense, visit your particular page of interest listed here to comparison shop for medical services and products:

*Any premiums you may pay for a discount plan or joining a membership are NOT an HSA eligible expense.  Only certain Medicare premiums and long term care insurance premiums up to an aged based maximum are eligible.

Health Reform “heads up”: Due to the new health reform law, starting on January 1, 2011, “over the counter” (OTC) medications are NOT an HSA or FSA eligible expense, unless it is prescribed by a licensed physician.
Health Reform “heads up”: The penalty for spending your money on NON eligible medical, dental or vision expenses went up from 10% to 20% as of January 1, 2011.

TIP: Only expenses AFTER you set up your HSA Health Savings Account are eligible

TIP: Remember to keep all receipts for at least 5-7 yrs as proof of an eligible expense to show the IRS or to put towards your health plan deductible.

CAUTION: Most wellness products from our wellness products store are NOT an eligible tax free Health Savings Account distribution. In order for tax free treatment, it must be prescribed by a doctor for medically necessary conditions before being considered as HSA eligible.


HSA Consumer does NOT provide any medical advice, please consult with your personal physician on your specific situation.