Using Your HSA or FSA for Supplies and Services

Health Spending Accounts like Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow you to pay for eligible medical expenses with pre-tax dollars, reducing your taxable income and overall tax burden.

What’s the difference between an HSA and an FSA?

HSAs are for people with high-deductible health plans and help save for out-of-pocket medical costs. FSAs are employer-sponsored and let you set aside pre-tax money for eligible healthcare expenses.

 

You can use your HSA or FSA card to cover a variety of pregnancy and family planning items and services.

Family Planning

  • Contraceptives: birth control pills, condoms and other contraceptive devices
  • Pregnancy tests and fertility kits
  • Ovulation monitors: devices to track ovulation cycles
  • Fertility Treatments: IVF, IUI and other assisted reproductive technology

Pregnancy

  • Prenatal vitamins (vitamins specifically for pregnancy)
  • Maternity clothes and items like maternity support belts or belly bands
  • Ultrasounds and prenatal tests
  • Lamaze and childbirth classes

Postpartum

  • Breast pumps and nursing supplies: nursing pads, nipple cream, nursing pillows, etc.
  • Lactation consultation
  • Baby thermometers, nasal aspirators, diaper creams, etc.
  • Postpartum recovery items: perineal sprays, peri bottles, support garments, postpartum underwear

View a full list of eligible expenses. Always check with your HSA or FSA provider to confirm specific coverage details.

2025 HSA and FSA Contribution Limits

The IRS sets contribution limits annually. Be sure that you are always working with up-to-date information when determining your contributions.

HSA 2025 contribution limits

Individual coverage: $4,150

Family coverage: $8,300

Catch-up contributions (for 55+): additional $1,000

FSA 2025 contribution limits

Healthcare FSA: $3,050

Dependent Care FSA: $5,000 (or $2,500 if married and filing separately)

To plan your HSA or FSA contributions:

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List out the expected costs for the eligible items and services you plan to use.

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Review last year’s expenses to estimate your spending.

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Check what your insurance covers and what you will pay out-of-pocket. For details about your CareFirst coverage, log into or register for My Account.

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Add a little extra for unexpected medical costs.

For a more personalized estimate, you might want to consult with a financial advisor or use an online HSA/FSA calculator.

Learn more about our HSA and FSA options by visiting our Health Spending Account Resources page. If you have questions about your CareFirst Health Spending Account, call 866-758-6119. Customer service representatives are available to assist you from 8 a.m.–9 p.m. (EST) Monday–Friday and 9 a.m.–5 p.m. Saturday and Sunday.