What Can You Use HSA and FSA Funds for in 2025? Concierge Care, Memberships, and Alternative Health Explained

As healthcare evolves, so do the ways people choose to access it. From concierge medicine to holistic wellness memberships, people are seeking personalized care options and many wonder whether their Health Savings Account (HSA) or Flexible Spending Account (FSA) can help cover these costs.

Here’s an updated look at what’s eligible in 2025, including new contribution limits, and which expenses qualify for reimbursement under current IRS rules.

Understanding HSA and FSA Eligibility

Both HSAs and FSAs funds 2025 are tax-advantaged accounts designed to help pay for qualified medical expenses - costs that diagnose, treat, mitigate, or prevent disease, or affect the body’s structure or function.

The Golden Rule: It Must Be “Medical Care”

To qualify, the expense must be primarily for medical care, not for general health, wellness, or convenience. That distinction is key when it comes to memberships, concierge packages, or alternative therapies.

HSA and FSA Funds 2025: What's New

Updated Contribution Limits

The IRS raised contribution limits for 2025:

• HSA: $4,300 for self-only coverage and $8,550 for family coverage.

• Health FSA: $3,300 annual contribution limit.

• FSA Carryover: Up to $660 can roll over to the next plan year.

HDHP Requirements

To qualify for an HSA, your health plan must meet High Deductible Health Plan (HDHP) standards:

• Minimum deductible: $1,650 (individual) / $3,300 (family).

• Maximum out-of-pocket: $8,300 (individual) / $16,600 (family).

While these updates expand how much you can save, the definition of what counts as a qualified medical expense has not changed.

Eligible Expenses You Can Pay with HSA/FSA Funds

1. Consultations and Medical Visits

Doctor visits, specialist consultations, telehealth, and similar services are eligible when they diagnose or treat a medical condition.

2. Lab Work and Diagnostic Testing

Expenses for bloodwork, imaging, and other diagnostic services qualify as long as they’re medically necessary.

3. Prescriptions

Prescription medications are always eligible, and many over-the-counter medications are too - no doctor’s note required since the 2020 CARES Act.

4. Alternative and Integrative Healthcare

Treatments such as acupuncture, chiropractic care, and other licensed holistic therapies can qualify when they’re medically necessary and provided by certified professionals. For supplements or herbal treatments, a Letter of Medical Necessity (LMN) from a healthcare provider may be required.

Expenses That Can Be Eligible

1. Healthcare or Wellness Memberships

Memberships or subscriptions that provide access to care, wellness perks, or preventive services - but not specific, itemized medical treatments - are generally not eligible. However, membership fees paid during active care of acute or chronic conditions can be eligible for reimbursement. For example, a concierge medicine membership fee that grants 24/7 access to a physician doesn’t qualify unless itemized medical services are clearly included and billed separately.

2. Concierge and Nursing Packages

If the package includes direct nursing or medical services rendered, that portion can qualify. Documentation showing what was provided is essential for reimbursement.

3. General Wellness, Fitness, and Supplements

Gym memberships, health club dues, and general wellness programs remain excluded unless prescribed for a specific medical condition with supporting documentation.

How to Make the Most of Your HSA or FSA

1. Ask for Itemized Receipts

Make sure your provider separates eligible services (consultations, lab work) from ineligible fees (membership or access costs).

2. Get a Letter of Medical Necessity

If you’re using funds for alternative therapies or supplements, have your provider write an LMN specifying how the expense treats a diagnosed condition.

3. Keep Records for Tax Purposes

Retain receipts, LMNs, and invoices. If audited, you’ll need to show that the expense meets IRS requirements for medical care.

Key Takeaway

For 2025, HSA and FSA rules haven’t changed much in terms of what’s eligible - only how much you can contribute.

You can still use funds for doctor visits, prescriptions, lab tests, and qualified alternative therapies. Memberships, concierge access fees, and general wellness programs are eligible when tied directly to specific medical treatment and properly documented.

With healthcare models evolving rapidly, it’s worth confirming with your plan administrator or tax advisor.