Can I use my HSA to pay for my spouse or dependent’s eligible medical expenses?

Yes, but there are a few important things to know.

As the HSA account holder, you are eligible to use your funds, without penalty, for eligible medical expenses of your spouse.

To use HSA funds for dependent expenses, the dependent must be claimed as a dependent on the HSA owner’s tax return. Because of this, a scenario could exist where an employee’s adult dependents are covered on the medical plan, but the employee’s HSA cannot be used to cover medical expenses for those dependents.

HSA Mistakes to Avoid: Spouse Rules

HSA Mistakes to Avoid: Dependent Rules