How HSAs Cover Mental Health Services in 2026

Episode 12 of Health Savings Accounts with Fexingo explores how HSAs can be used for mental health expenses in 2026. Lucas and Luna break down which services qualify—therapy sessions, psychiatry appointments, and even certain wellness apps—using the specific example of BetterHelp. They explain the IRS rules on telehealth vs. in-person care, the documentation you need to keep, and how the pandemic-era flexibilities that expired in 2023 changed the landscape. The episode also covers how to use your HSA debit card for co-pays and the smartest way to reimburse yourself for out-of-network providers. If you've ever wondered whether your therapy co-pay counts or whether you can use HSA funds for a meditation app, this episode has the answer. #HSA #HealthSavingsAccount #MentalHealth #Therapy #BetterHelp #IRS #TaxAdvantage #Telehealth #CoPay #Wellness #Fexingo #FexingoBusiness #BusinessPodcast #FinancePodcast #PersonalFinance #Healthcare #2026 #TripleTaxAdvantage Keep every episode free: buymeacoffee.com/fexingo