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What is HSA?

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

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A post shared by Josephine Anderson (@fosterthevalley)

Josephine Anderson, who posted a video on her Instagram @fosterthevalley, outlined the costs of her uncomplicated vaginal birth, and TBH, it was shocking.

The financial breakdown of her experience (with Cigna for insurance):

• Routine office visits (including 2 ultrasounds): $1,266
• Labs: $3,440.81
• NIPT genetic testing: $15,319.36
• Anatomy scan: $1,270
• RhoGam: $360
• Hospital for mom: $23,722.10
• Hospital for baby: $7,402.80
• OBGYN for delivery: $5,000
• Epidural: $5,720
• Breastfeeding support: $2,589.78
• Pediatrician: $209

Josephine’s video warranted thousands of comments, most of which were appalled by the costs of her experience:

“This needs to be shared in SexEd classes,” one commenter wrote.

“The US medical system is BROKEN,” another said.

“And people are still confused why more women are choosing to remain child free… we literally can’t afford it,” another user commented.

Brit + Co spoke with Wendy Colson RN, IBCLC and CEO/Founder of BOOBIE Superfoods to gauge if Josephine’s costs were typical for the care she received. Colson has significant insight into how insurance works not only from an employer’s perspective, but from personal experience as a patient with breast cancer.

“The $4,788.98 net amount she mentions is realistic given that her deductible was $3,000. If she had chosen a plan with a $1,000 deductible – which is a common ceiling for good coverage – the same scenario would have cost her around $2,789,” Colson said. “The video highlights the importance of understanding what you're getting with an insurance plan, especially when you anticipate major life events like childbirth.”

Colson primarily attributes unanticipated costs for medical care (like in Josephine’s case) to patients that choose their insurance plans with, well, no real plan.

“Many [people] opt for the [plan] with the lowest paycheck deductions without fully evaluating the benefits,” Colson said.

There’s often a tradeoff between paying less per paycheck and receiving your desired benefits: for example, if you elect to contribute less money towards your insurance per paycheck, you may end up paying more out of pocket for things like doctor’s office visits and prescriptions.

“Making an informed choice is key to saving money in the long run,” Colson continued. “In short, it's crucial to consider both the immediate costs (like paycheck deductions) and the potential future costs (like deductibles and copays) when choosing an insurance plan.”

Another major cost Josephine mentions in her video was 12 weeks of unpaid maternity leave, which cost her a total of $18,000 (in lost income).

Per the passing of the Family and Medical Leave Act (FMLA) in 1993, moms have a legal right to up to 12 weeks of unpaid maternity leave. The U.S. Department of Labor notes that the act was designed to help employees balance their work and family responsibilities, accommodate the legitimate interests of employers, and promote equal employment opportunity for men and women.

It all sounds great until you realize the time off is indeed unpaid, which doesn't really aid in the amount of money parents end up owing after all is said and done in the pregnancy and childbirth processes.

Only 13 states plus the District of Columbia offer paid maternity leave. When you compare the United States’ laws to that of other industrialized nations, they don’t exactly measure up.

Colson says Sweden’s maternity leave policy is “one of the most generous,” offering 390 days of paid parental leave (shared between parents) and 80% of wages covered for a significant portion of the leave. In Germany, mothers are entitled to 14 weeks of maternity leave plus a tax-free, income-based allowance straight from their insurance provider.

Though it’s likely that US laws will never be that generous in terms of paid maternity leave, there are a few things you can do to make the blow of medical costs hurt a little less, says Colson.

“My advice is to be your own advocate,” she says. “If you’re planning to have a baby, start by understanding what your state provides in terms of paid leave to avoid surprises after delivery.”

To keep the cost of having your baby (if you’re planning to have one) transparent and free of surprises, Colson recommends:

• Asking your physician’s office for a detailed breakdown of insurance billing codes, including:
  • Office visits
  • Lab work
  • Epidural (and the anesthesiologist’s separate fee)
  • Hospital admissions
  • Specialist consultations during admission
  • Optional procedures like circumcision, if desired
• Email the insurance billing codes to your insurance provider, who can help calculate your out-of-pocket costs and deductible

“Having a baby is priceless,” Colson says. “By planning ahead – understanding your insurance options, healthcare costs, and available benefits – you can ensure peace of mind and focus on what truly matters: your growing family.”

Apple and Cranberry Cobbler

This egg-free Apple Cranberry Cobbler recipe is infused with vanilla, star anise, and optional bourbon, and served well with a scoop of vanilla ice cream! (via Vanilla and Bean)

White Christmas Truffle Cake

Turn this fluffy sponge cake with white chocolate truffle topping into a stunning dessert centerpiece with edible pearls and a sweet pine decoration.(via Vikalinka)

Slice and Bake Christmas Cookies

These homemade slice and bake Christmas cookies are surprisingly easy to make, taste better than the ones in the tube, and are customizable so you can choose your favorite holiday shapes! (via Crowded Kitchen)

Chocolate Beet Cake

For a healthier spin on Christmas dessert, try this unique Chocolate Beet Cake. It's so moist and delicious, your guests won’t even know you used beets! (via Give Recipe)

Skinny Peppermint Mocha

Try a low-calorie version of this Starbucks favorite you can make at home! (via The Girl on Bloor)

Spiced Mascarpone Cranberry Cake

In charge of dessert this year? This stunning spiced cake will wow your guests in terms of taste and looks. It makes a delicious breakfast too! (via The Original Dish)

Christmas Frosting Board

What a fun idea! Swap your charcuterie for a dessert board where guests can pick and dip! (via Kathryn's Kitchen)

Vegan Chocolate Orange Cheesecake

This no-bake cheesecake, made with cashew and coconut, is so delicious and stunning they won't believe there's actually no cheese. (via The First Mess)

Vegan Mini Chocolate Pies with Pecan Caramel

Mini pies are the perfect Christmas dessert because they're hand-held and bite-sized, plus these feature chocolate, pecan, and caramel flavors! They're also vegan, which just makes us love them even more. (via Brit + Co)

The Best Sugar Cookies

These sugar cookies are so good, they don't really need any embellishments, but would it really be a Christmas party without reindeer cookies?! Save a few to leave out for Santa, too. (via Brit + Co)

Peppermint Macarons with White Chocolate Ganache

Find a new way to enjoy the minty flavor of peppermint with this macarons recipe. Covered in white chocolate, it's a nod to the traditional French pastry. (via Brit + Co)

Chocolate Pumpkin Tart with Gingersnap Crust

Move over white chocolate ganache, because this pumpkintart is ready for its turn in the spotlight. We love that the gingersnap crust helps balance the rich taste of dark chocolate. (via Brit + Co)

Puff Pastry Apple Roses

These roses look good enough to eat – because they are indeed edible! It's the one time you'll enjoy stopping to smell the roses. (via Brit + Co)

Sweet Chai Latte Cupcakes

Turn your favorite morning beverage into a sweet treat with these cupcakes. The flavors and spices make for the perfect holiday season dessert. (via Brit + Co)

Paleo Christmas Cookies

Cookies will never be totally healthy, but there are definitely ways that you can make them healthier. Check out this easy Christmas dessert that's paleo-friendly. (via Brit + Co)

Vegan Apple Cake

If puff pastry apple roses feel like too much of a lite dessert, you'll want to keep this vegan apple cake recipe handy. (via Brit + Co)

Baked Hot Chocolate Doughnuts

We have a *major* sweet tooth for anything that involves gooey chocolate, so combining our love of doughnuts and hot chocolate sounds like a dream come true. (via Brit + Co)

Eggnog with Sugared Rosemary

Who says desserts have to be food? This sweet drink is a classic Christmas dessert, whether you're decorating the tree or curling up for a movie night. Our favorite detail is definitely the sugared rosemary. (via Brit + Co)

Oreo Red Velvet Cheesecake

If you love red velvet cake and you love cheesecake, then this is the dessert for you. The crust, cheesecake filling, and whipped cream come together beautifully so that every bite you take is better than the last! Plus, the Oreos on top are the perfect finishing touch. (via Brit + Co)

Frozen Chocolate Peanut Butter Yogurt Cups

Take a break from traditional Christmas desserts and make candy recipes instead! Who knows, someone may request that you make frozen chocolate peanut butter yogurt cups for their birthday next year. (via Brit + Co)

Mini Gingerbread Cheesecakes

If regular slices of cheesecake are too rich for you, try these mini bite-sized options for your next get-together. They're a little bit spicy, a little bit sweet, and just the right amount of creamy. (via Brit + Co)

Even Santa Will Want A Bite Of These Christmas Desserts!

Peppermint Bark Cannoli

You just can’t get through the snowy season without indulging in some sweet and cool peppermint bark. No surprise, it's amazing in cannolis. (via Sugar and Cloth)

Mott's Gingerbread Cups

These lil cups are a fun, festive, and fabulous treat to make with and for your little ones — or for anyone else, frankly! Just look how cute they are! (via Mott's)

Rum and Eggnog Bundt Cake

We like big bundts and we cannot lie; a slice of this, we can't deny! Flavored with rum and eggnog, this luscious cake is slathered with a generous coating of eggnog cream cheese icing that will make your tastebuds sing. (via Liv for Cake)

Vegan Christmas Cookies Recipe

Packed with nutty almonds and made without butter, eggs or oil, these gluten-free cookies are actually delicious and easy to make. Powdered sugar for the win! (via Veggie Society)

Chocolate Molasses Crinkle Cookies

Serve up a plate of melt-in-your-mouth crinkle cookies with a rich chocolate flavor.(via Whole and Heavenly Oven)

Black Forest Trifle Cake

Get creative with this trifle cake made with Black Forest layers. (via Woman Scribbles)

Coconut Balls

Make it snow with these easy and delicious coconut balls! (via The Fast Recipe)

Eggnog Cheesecake Brownies

With creamy eggnog cheesecake swirling into fudgy goodness, these brownies will make even eggnog naysayers fall in love with the soft and chewy bites. (via A Cookie Named Desire)

Chocolate Peppermint Bundt Cake

We know you’re thinking it because we’re thinking it — be still, my heart! This rich, minty, and chocolatey cake is dripping with glaze and topped with crushed candy canes. Can you say flavor bomb? (via Two Peas & Their Pod)

Champagne Donuts With White Chocolate Glaze

One of the best things about donuts is they can be enjoyed as both a dessert *and* as a sweet breakfast option. The Champagne-infused dough and white chocolate glaze create the ultimate holiday treat. (via Sugar and Cloth)

Apple and Mincemeat Filo Wreath

This swoon-worthy recipe stuffs crisp apples and mincemeat into a flaky filo pastry, resulting in complete dessert heaven. Adorned with cranberries and drizzled with custard, this treat is guaranteed to be a hit at any holiday party. (via Domestic Gothess)

Mexican Wedding Cookies

These tiny snowballs are slightly salty, nutty, buttery, and downright delish. (via Two Peas & Their Pod)

Cranberry Dark Chocolate Biscotti

We hope you’re ready for additional caffeine, because you’ll be brewing an extra cup a day just for an excuse to dip and devour these beauties. Totally addicting, these munchies are packed with nuts and cranberries and drizzled with chocolate. (via Pinch of Yum)

Homemade Marshmallows

Storebought marshmallows will never taste the same after you make these. Dip them in chocolate or add them to your hot cocoa for a truly decadent treat. (via The Real Food Dietitians)

Eggnog Panna Cotta with Spiked Cranberry Sauce

Silky smooth panna cotta may seem like a summery dessert, but when made with eggnog and topped with orange liqueur-spiked cranberry sauce, it's completely festive. (via Sprinkle Bakes)

You Won't Want To Share These Delicious Christmas Desserts

White Christmas Sparkle Cake

If you prefer snowflakes and twinkly lights to bright red and green decorations, you'll love this fluffy vanilla almond cake with cream cheese frosting. (via How Sweet Eats)

You Won't Believe How Tasty These Christmas Desserts Are

Meringue Christmas Wreath Cake

But if you do love colorful decorations, opt for this wreath cake, decked out with nonpareils and candy canes. (via Sprinkle Bakes)

Holiday Sugar Cookie Bars with Cream Cheese Frosting

Instead of rolling out dough to make individual cookies, bake up these bars, and have fun making your own sprinkle design on top. (via Averie Cooks)

Marmalade Thumbprint Cookies

It truly isn’t the holidays without some jam-filled thumbprint cookies to munch on. Though a berry jam is most commonly used, the choice of this orange jam is brilliant. (via The View From Great Island)

Christmas Tree Mousse Cups

You don't have to be an artist to make an adorable tree-shaped dollop of mousse in these chocolate cups. (via My Life Cookbook)

Peppermint Cream Puffs

Bite-size cream puffs are the ideal treat, and with a light peppermint ganache and festive sprinkles, they're holiday-ready. (via Best Friends for Frosting)

Chocolate Peppermint Mousse

We love how fluffy mousse is, and this Christmas dessert (which only needs four ingredients, FYI!!) mixes in peppermint extract for the perfect seasonal flavor. Add some crushed candy canes on top for an extra cute detail. (via Feel Good Foodie)

Funfetti Christmas Cake Roll

Don't be intimidated by the cylindrical shape; this colorful cake is both easy to bake and easy to roll up while hot. (via Passion for Savings)

Italian Pear Cranberry Tart

If the cranberry sauce at your Thanksgiving dinner didn’t satisfy your cranberry needs, this festive tart will. Fresh cranberries are piled into a shortbread crust over a luscious layer of almond cream, and it’s kind of the best thing ever. (via Just a Little Bit of Bacon)

Viennese Crescent Cookies

Popular in Austria, these melt-in-your-mouth Christmas cookies are a simple blend of hazelnuts, butter, and powdered sugar. (via Leite's Culinaria)

We'd Recommend These Christmas Desserts To Everyone

Mincemeat, Marzipan, and Apple Bread Wreath

Filled with mincemeat, marzipan, and apricot jam, this impressive buttery wreath is packed with flavor. And since it's fruity, you can get away with eating it for breakfast. (via Domestic Gothess)

Sugar Cookie Chocolate Crème Brûlée

Have more Christmas cookies than you know what to do with? Use them to top these velvety, chocolate-rich crème brûlées. (via Half Baked Harvest)

Gingerbread Bundt Cake

If you want to get real fancy, haul out your bundt cake pan and try this recipe. The patterned cake looks even more impressive when laden with a shiny glaze. (via The View From Great Island)

Slice and Bake Heart Cookies

These heart-shaped cookies are so much easier to make than you'd think. Impress your Christmas guests with a bout of sugar cookies! (via Crowded Kitchen)

Easy Puppy Chow Recipe

You probably already have everything you need for this DIY dessert recipe: peanut butter (or another nut butter), chocolate chips, Chex cereal, butter, and powdered sugar. The red and green candies are just a bonus! (via Brit + Co)

Tahini Brownies

If you can't handle full-on sweetness, try these brownies that mix in some tahini for a nutty flavor addition. The flaky salt on top adds an edge that you do not want to miss out on. (via Forks and Foliage)

Vegan Peanut Butter Blossoms

Is there a better duo than chocolate and peanut butter? These blossoms feature creamy peanut butter and dark chocolate chips for a rich, smooth take on the classic combo. (via Rachel Mansfield)

Olive Oil Orange Cake

This citrusy, just slightly olive-oily cake will brighten up your winter diet, and the touch of Grand Marnier makes it taste extra-elegant. (via Averie Cooks)

Hazelnut Shortbread with Salted Ganache Sandwich Cookies

Okay, regular Oreos. We raise you one with these uniquely delicious (and super festive!) homemade sandwich cookies! (via Vanilla and Bean)

Sugar Dusted Donut Christmas Tree by Chef Genevieve LaMonaca

For this delicious Christmas dessert, roll 60 (3lbs) white donut holes in 2.25oz green sugar sprinkles, then cover a 5.5 x 13.5-inch foam cone in plastic wrap. Insert your toothpicks (you'll need 60) into the foam, then push donut hole on the toothpick. Start from the bottom and work your way up. Add 1/2 cup peanut M&M’s to fill holes to resemble Christmas ornaments. Top with gold star cupcake topper. Cover with saran wrap until ready to use. Make up to 3 days ahead of time!

Cookies and Milk Shot Glass Dessert

Made in a shot glass, you can make this cookie dessert boozy or kid-friendly. It's play on Santa's milk and cookies, and a cute way to share with friends. (via Clean Cuisine)

Dark Chocolate Peppermint Bark

Chocolate bark makes the perfect gift for everyone on your list. (via Hello Little Home)

Candy Cane Kiss Cookies

Try this peppermint twist on the Hershey's Kiss thumbprint cookies. (via This Wife Cooks)