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 the LMN path works

A licensed provider documents that this expense treats or mitigates a specific diagnosed condition, before you buy. Keep the letter with your receipt — it's your audit defense.

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

Paying out of pocket?

Vault the receipt in Candor and reimburse yourself tax-free — this year or in 20 years. No deadline (IRS Notice 2004-50, Q&A 39).

Start your shoebox — free

Informational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-07-16, last verified July 2026.

All eligibility answers · Candor — the HSA shoebox