No — Camps (summer or holiday day camps) is not HSA eligible
Camps (summer or holiday day camps) and their related expenses for children under the age of 13 or dependents incapable of self-care may be covered under a dependent care flexible spending account (DCFSA), provided that the camp enables the parents or parents to be gainfully employed, seek gainful employment or attend school full-time. Using HSA funds for Camps (summer or holiday day camps) would be a non-qualified distribution subject to income tax, plus a 20% penalty if you are under 65.
Paying with HSA funds results in income tax on the amount and a 20% penalty if you’re under age 65. Keep Camps (summer or holiday day camps) off your HSA unless circumstances change.
How to claim it
- Pay with a regular card, not your HSA debit card.
- If a physician prescribes it for a diagnosed condition, some otherwise-ineligible items may qualify with a Letter of Medical Necessity — ask your provider.
Frequently asked questions
Is Camps (summer or holiday day camps) FSA or HRA eligible too?
No. Because FSAs and HRAs follow the same IRS Publication 502 rules as HSAs, Camps (summer or holiday day camps) is generally not reimbursable through an FSA or HRA either.
Can I use my HSA debit card to pay for Camps (summer or holiday day camps)?
No. Camps (summer or holiday day camps) is not a qualified medical expense. Using your HSA card would be a non-qualified distribution subject to income tax and a 20% penalty if you are under 65.
Do I need to keep a receipt for Camps (summer or holiday day camps)?
Yes — for every HSA withdrawal the IRS requires documentation proving the expense was qualified. Keep itemized receipts for at least 3 years after the tax year.
Can I reimburse myself years later for Camps (summer or holiday day camps)?
Yes — the IRS imposes no time limit on HSA reimbursements. As long as the expense was incurred after your HSA was established and you have documentation, you can reimburse yourself years or even decades later.