How Your HSA Can Cover Physical Therapy Costs in 2026

Lucas and Luna dive into how Health Savings Accounts can be used to pay for physical therapy, including insurance copays, out-of-network providers, and specialized equipment. They discuss the IRS rules that make PT an eligible expense, how to get a Letter of Medical Necessity if needed, and a real example of someone recovering from ACL surgery using their HSA for sessions, braces, and even a home exercise program. The episode also covers common pitfalls like gym memberships vs. prescribed physical therapy and what documentation to keep. Perfect for anyone with an HSA who wants to maximize their tax-free healthcare dollars for rehab and recovery. #HealthSavingsAccount #PhysicalTherapy #HSAeligible #MedicalExpenses #TaxAdvantage #RehabCosts #ACLRecovery #LetterOfMedicalNecessity #OutOfNetwork #Copays #HSA #FSA #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #HealthcareFinance #TripleTaxAdvantage Keep every episode free: buymeacoffee.com/fexingo