Money in your HSA can only be used to pay for or buy medical-related stuff—things like surgery, dental and vision care, pharmacy items, recommended supplements, and even functional medicine consultations. You can pay for almost anything out of your HSA if it’s been prescribed or recommended by a medical professional.
But there are some restrictions. For example, you can’t use it to pay for exercise classes or cosmetic surgery. The IRS maintains a list of what you can and can’t spend HSA money on.14