Candor

Is Ancestry DNA tests (23andMe, Ancestry) HSA-eligible?

No — not HSA-eligible

Ancestry testing isn't medical care. For mixed kits, only the allocable health-testing portion can qualify.

IRS authority

PLR 201933005

Worth knowing

See genetic testing (medical) for the eligible path.

Category: Diagnostics · Bucket C (Not HSA-eligible)

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