Using Your HSA Funds for Physical Therapy: A Smart Move for Your Health and Your Wallet
November 4, 2025
If you have a Health Savings Account (HSA), you already know it’s a powerful tool for managing healthcare costs. But did you know that you can use your HSA funds to pay for physical therapy? Whether you’re recovering from an injury, managing chronic pain, or working to improve mobility, physical therapy can be a life-changing investment in your long-term well-being — and your HSA can make it more affordable.
What Is an HSA?
A Health Savings Account (HSA) is a tax-advantaged savings account available to individuals with a high-deductible health plan (HDHP).
Is Physical Therapy HSA-Eligible?
Yes! Physical therapy is considered a qualified medical expense by the IRS when it’s prescribed by a licensed healthcare provider for a medical condition or injury. That means you can use your HSA to cover:
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Physical therapy sessions
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Evaluations and re-evaluations
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Prescribed exercises or treatments performed by a licensed therapist
You can also use your HSA debit card directly at your physical therapy clinic or submit receipts for reimbursement later.
Top Benefits of Using Your HSA for Physical Therapy
– Make Recovery More Affordable
If you’re recovering from surgery, a sports injury, or a chronic condition, physical therapy can require multiple visits. Using your HSA helps you manage those ongoing costs without straining your regular budget.
– Invest in Long-Term Health
Physical therapy isn’t just about healing — it’s about preventing future injuries, improving strength and mobility, and supporting an active lifestyle. When you use HSA funds for PT, you’re investing in your health today and reducing the likelihood of more serious (and expensive) issues later.
– Flexible Spending Options
You can use your HSA funds for both in-person and telehealth physical therapy sessions, as long as the service is provided by a licensed professional. This flexibility can make it easier to stay consistent with your care plan.
Final Thoughts
Using your HSA funds for physical therapy is one of the smartest ways to take care of your body and your budget. You’ll save money, recover faster, and build a foundation for lifelong movement and strength — all with the peace of mind that comes from making the most of your health savings.