Candor

Is Massage therapy HSA-eligible?

Only with a Letter of Medical Necessity

Massage qualifies only when prescribed to treat a specific medical condition (LMN) — relaxation massage is not eligible.

IRS authority

IRS Pub. 502; LMN pathway

How to get covered

  1. Qualifying conditionschronic back or neck pain, fibromyalgia, sciatica, or rehabilitation from a documented injury
  2. What the letter must saythat therapeutic massage treats that named condition, ideally naming a frequency and session count — not that it relieves stress
  3. How to askBring it up at the visit where you are already discussing pain management, and ask for the frequency to be written into the letter.

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

Category: Recovery · 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.

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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