How HSAs Cover Telehealth and Digital Health Subscriptions

In this episode of Health Savings Accounts with Fexingo, Lucas and Luna explore a growing area of HSA-eligible spending: telehealth services and digital health subscriptions. As of 2026, the IRS has clarified that many virtual care platforms—like Teladoc, Amwell, and subscription-based services such as Ro or Hinge Health—qualify for HSA reimbursement when the underlying service is for medical care. The hosts break down the key distinction: a general wellness app (like a meditation app with no medical professional involvement) is not eligible, but a telehealth visit with a licensed provider is. They walk through concrete examples, including a $29 per month musculoskeletal therapy subscription that is HSA-eligible because it includes clinical oversight. The episode also covers tips for documenting eligibility, including the need for a detailed receipt showing the medical nature of the service. Lucas and Luna discuss the recent IRS guidance that expanded the definition of 'telehealth' to include audio-only visits, making it easier to use HSA funds for phone consultations. The conversation closes with a look at how employers are increasingly integrating HSA-eligible telehealth into their benefits packages, and what listeners should watch for in their own plans. #HealthSavingsAccounts #Fexingo #HSA #Telehealth #DigitalHealth #MedicalExpenses #TaxAdvantage #IRSGuidance #Teladoc #Amwell #HingeHealth #Ro #VirtualCare #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #HealthcareCosts Keep every episode free: buymeacoffee.com/fexingo