Candor

Is Baby monitors (Owlet, etc.) HSA-eligible?

Only with a Letter of Medical Necessity

Consumer baby monitors are general care items; medical-grade monitoring with an LMN for a diagnosed condition can qualify.

IRS authority

IRS Pub. 502; LMN pathway

How to get covered

  1. Qualifying conditionsapnea of prematurity, a congenital heart defect, or another infant condition your pediatrician is actively monitoring
  2. What the letter must saythat at-home monitoring of your child's oxygen saturation or heart rate is medically necessary for the named diagnosis
  3. How to askAsk at NICU discharge or the first pediatric follow-up — monitoring instructions given at discharge are the easiest to get restated in writing.

How LMNs work — timing, renewal, and storing it with the receipt →

Category: Family · Bucket B (Eligible with a Letter of Medical Necessity)

Got an LMN?

Log the receipt now so you have proof when you claim it back.

Log this expense →

Informational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-08-15, last verified July 2026.

All eligibility answers · Candor — the HSA shoebox