YOUR HSA. FULLY OPTIMIZED.

The go-to resource for HSA eligible expenses, LMN strategy, and smarter spending — with everything you need on account basics and investing to optimize your HSA from day one.

160+ Items

160+ eligible expenses tracked in our HSA Search Tool.

IRS-Sourced

Verified information based on IRS Publication 502 & 969.

2026 Updates

2026 contribution limits and updated guidance.

Real-World Tested

Guidance based on firsthand experiences.

Saving Wiser with Your Health Savings Account

Your HSA probably covers more than you think — from everyday items like sunscreen and acupuncture to, in some cases, even things like fitness trackers, exercise equipment, sleep aids, mattresses, or bikes. Some qualify automatically. Others require a Letter of Medical Necessity (LMN).

SavingWiser helps you uncover overlooked HSA‑eligible expenses and understand when you may need an LMN, so you can start saving wiser.

See what your HSA might cover >

HSA: Tools and Resources

Did you know that your Health Savings Account (HSA) can be used for more than just copays and medical expenses? These free tools and guides show you everything your account can actually do — eligible expenses, contribution limits, tax-free investing, and uncover uncommon savings.

HSA Basics

Our step-by-step guide covers eligibility, opening an account, contribution limits, and tax rules.

HSA Basics >

HSA Calculators

See your real tax savings and how your balance grows when invested — free and easy to use.

HSA Calculators >

2026 HSA Limits

Self-only coverage is $4,400, family is $8,750. See the full breakdown including HDHP minimums and deadlines.

HSA Limits >

Eligible Expenses

Glasses, sunscreen, fitness trackers, and more. See what qualifies automatically and what needs an LMN.

Eligible Expenses >

The latest from Saving Wiser

Practical strategies and tips — covering what your HSA can really do and how to make every dollar count.

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