Yes — Reasonable and Customary (R&C) is fully HSA eligible
You can pay for Reasonable and Customary (R&C) directly with your HSA or FSA, or pay out-of-pocket and reimburse yourself from your HSA later. Amounts that exceed Reasonable and Customary (R&C) expenses are eligible for reimbursement with a flexible spending account (FSA), health savings accounts (HSA) or a health reimbursement arrangement (HRA).
How to claim it
- Swipe your HSA debit card at checkout, in-store or online, and keep the itemized receipt.
- Or pay out-of-pocket and reimburse yourself any time — even years later — while your HSA keeps growing tax-free. See how much your HSA could grow →
Frequently asked questions
Is Reasonable and Customary (R&C) FSA or HRA eligible too?
Yes. FSA and HRA eligibility follow the same IRS Publication 502 rules as HSAs, so Reasonable and Customary (R&C) is generally reimbursable through a Flexible Spending Account (FSA) or HRA too. Some employer plans limit covered expenses, so confirm with your plan administrator.
Can I use my HSA debit card to pay for Reasonable and Customary (R&C)?
Yes. Pay with your HSA debit card at the point of sale, or pay out-of-pocket and reimburse yourself. Always keep your itemized receipt.
Do I need to keep a receipt for Reasonable and Customary (R&C)?
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 Reasonable and Customary (R&C)?
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.