Candor

Is Genetic testing (medical) HSA-eligible?

Only with a Letter of Medical Necessity

Genetic testing for diagnosing or treating a condition qualifies; ancestry-driven testing doesn't. Mixed products (like 23andMe) must be split — only the health-testing portion can qualify.

IRS authority

IRS Pub. 502; PLR 201933005

Worth knowing

Keep documentation of the medical purpose.

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

Paying for this?

Log the receipt with your supporting documentation.

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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