HSA funds can be used for: Qualified out-of-pocket medical expenses you incur that are not covered by your health plan Medical, dental or vision coinsurance and co-payments Prescription drugs Prescription eyewear and supplies (eyeglasses, goggles, safety glasses, sports eyewear, sunglasses) Some medical treatments not covered by your insurance, such as visits to a chiropractor You can begin by reviewing the various health care options your employer provides to determine whether an HSA-qualified health plan might be right for you. If you decide to enroll in the plan, you also should open an HSA and try to contribute as much as you can up to the annual limit. HSAs are available from a variety of institutions, but it's worth noting that not all HSAs are created equal; some providers have additional fees for the debit card or the investment portion of the account.