Can you use a HSA for breast pump?

Discover how you can make the most of your Health Savings Account (HSA) by using it to cover the cost of a breast pump.

In recent years, the topic of using a Health Saving Account (HSA) for purchasing a breast pump has gained significant attention. As healthcare regulations and policies continue to evolve, it's important to stay updated on the latest information regarding HSA eligibility for breast pump purchases. In this article, we will explore the various aspects of utilizing an HSA for a breast pump, including its benefits, downsides, and how it compares to a Flexible Spending Account (FSA).

Can you use HSA for breast pump?

First and foremost, let's address the question many new parents may have: Can you use an HSA for a breast pump? The short answer is yes, you can! HSA funds can be used to cover the costs of a breast pump, whether you choose to buy or rent one. The Internal Revenue Service (IRS) has deemed breast pumps as eligible medical expenses, which makes them eligible for HSA reimbursement.

Now, let's dive a little deeper into the topic. Breastfeeding is widely recognized as the best way to nourish a newborn baby. It provides numerous health benefits for both the baby and the mother. However, breastfeeding is not always an easy journey for every mother. Some may face challenges such as latching difficulties, low milk supply, or the need to be separated from their baby due to work or other commitments.

This is where breast pumps come in. A breast pump is a valuable tool that allows mothers to express and store breast milk for later use. It provides flexibility and convenience, enabling mothers to continue providing their babies with the benefits of breast milk even when they are not physically present.

When it comes to purchasing or renting a breast pump, the cost can vary depending on the brand, model, and features. Some breast pumps are manual, requiring the mother to manually pump the milk, while others are electric, offering a more efficient and hands-free pumping experience. Hospital-grade breast pumps are also available for mothers who may need a higher level of suction or have specific medical needs.

Using HSA funds to cover the cost of a breast pump can be a great financial relief for new parents. HSA, or Health Savings Account, is a tax-advantaged savings account that allows individuals to set aside pre-tax money to pay for qualified medical expenses. It is available to those who have a high-deductible health insurance plan.

By using HSA funds for a breast pump, parents can ensure that they have access to this essential breastfeeding tool without having to worry about the financial burden. It promotes the overall well-being of both the mother and the baby, as breastfeeding has been linked to a lower risk of various health conditions, including ear infections, respiratory illnesses, and allergies.

It's important to note that not all breast pumps may be eligible for HSA reimbursement. To qualify, the breast pump must be considered a medical expense and not simply for convenience or personal use. It's always a good idea to check with your HSA provider or consult the IRS guidelines to ensure that the breast pump you plan to purchase or rent is eligible for reimbursement.

In conclusion, using HSA funds to cover the cost of a breast pump is not only allowed but also encouraged. Breastfeeding is a natural and beneficial way to nourish a baby, and breast pumps play a crucial role in supporting breastfeeding mothers. With the help of HSA funds, parents can make the best choice for their baby's health without worrying about the financial aspect. So, if you're considering purchasing or renting a breast pump, rest assured that your HSA can be a valuable resource to support your breastfeeding journey.

What are the benefits of using an HSA for breast pump?

Using an HSA to purchase a breast pump offers several advantages. Firstly, HSAs provide a triple tax advantage, allowing you to contribute pre-tax dollars, earn tax-free interest on the funds, and withdraw the money tax-free for qualified medical expenses like breast pumps. This can result in significant savings, especially considering the price tags attached to some breast pump models.

Furthermore, an HSA provides flexibility. Unlike a Flexible Spending Account (FSA), HSA funds roll over from year to year, which means that if you don't utilize the entire balance in your account during the current year, the remaining funds can be used for future healthcare expenses, including breast pump supplies as your needs evolve. This flexibility can provide peace of mind, knowing that you have the financial means to cover your breastfeeding journey throughout the year.

What are the downsides of using an HSA for breast pump?

While using an HSA for a breast pump has its advantages, it's important to consider the potential downsides as well. One drawback is that not all health insurance plans are compatible with HSAs. To be eligible for an HSA, you must be enrolled in a high-deductible health plan (HDHP). If your current insurance plan does not meet the HDHP requirements, you may not be able to contribute to an HSA, which could limit your ability to use it for a breast pump purchase.

Another aspect to keep in mind is that HSA funds can only be used for qualified medical expenses. While breast pumps are eligible, certain accessories or additional supplies may not be covered. It's essential to carefully review the IRS guidelines and consult with your healthcare provider or HSA administrator to ensure the specific items you intend to purchase are eligible for reimbursement.

HSA vs FSA for breast pump

When it comes to utilizing tax-advantaged accounts for breast pump purchases, HSAs and Flexible Spending Accounts (FSAs) are the two primary options. While both allow you to use pre-tax dollars, there are a few key differences to consider.

One significant distinction is that unlike HSAs, FSAs are subject to the use-it-or-lose-it rule. This means that any funds not utilized within the plan year generally do not roll over and are forfeited. However, some FSAs offer a grace period or a limited carryover option, so it's crucial to familiarize yourself with the specific rules of your FSA plan.

On the other hand, as mentioned earlier, HSA funds roll over from year to year. This means that if you have leftover funds from a prior year in your HSA, you can still use them to cover the cost of a breast pump or related supplies.

Another difference is the contribution limits. For 2024, the maximum HSA contribution limit for individuals is $3,100 and $6,250 for families. In contrast, the FSA contribution limit for 2024 is $2,850. It's important to note that these limits are subject to change, so it's crucial to stay updated on any adjustments made by the IRS.

Where can you find more information about HSA eligibility for a breast pump?

If you are considering using an HSA for a breast pump and would like more information on HSA eligibility, it's always a good idea to consult your HSA administrator. They can provide you with specific details regarding your plan and clarify any questions or concerns you may have.

Additionally, the IRS website is a valuable resource for understanding the guidelines and regulations surrounding HSA eligibility. The website provides detailed information on qualified medical expenses, which encompasses breast pumps and related supplies. Taking the time to familiarize yourself with this information can help ensure you make informed decisions about utilizing your HSA for a breast pump purchase.


In conclusion, utilizing an HSA for purchasing a breast pump can offer numerous benefits, such as substantial tax savings and the flexibility to carry over funds. However, it's essential to consider the potential downsides, such as plan compatibility and adherence to qualified expense guidelines. Comparing HSA to FSA also plays a role in determining which account best suits your needs. By staying informed and exploring your options, you can make the most of your HSA and confidently navigate the process of purchasing a breast pump.

What do you do if you're unsure?

If you’re unsure, it’s best to consult your HSA provider or a tax professional to confirm expense eligibility. 

What are HSA benefits for employers?

If you’re an employer, there are multiple benefits to offering HSA to your employees, including:

  • Attracting and retaining talent
  • It’s a cost-effective healthcare option
  • Enhances employee satisfaction and productivity
  • Increases the utilization of employee benefits
  • Has tax advantages for both you and your employees

Want to learn more? Check out our blog on what is an HSA

Get started with Forma today

Looking to offer an HSA as part of your employee benefits package? At Forma, we provide Pre-tax Accounts - including HSAs - to companies worldwide. 

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