Aging-in-place care is HSA- and FSA-eligible
Most families don't realize that home care expenses — when ordered by a physician — qualify as medical care under IRS section 213(d). Physical therapy, medical equipment, hearing aids, and companion care can all be paid with pre-tax HSA or FSA dollars. Here's your annual savings picture.
Custodial companion care is not automatically HSA/FSA eligible — but a Letter of Medical Necessity (LMN) from a licensed physician changes that. The LMN documents medical necessity under IRS 213(d), allowing families to pay companion care costs pre-tax. At a 22% bracket, $4,800/yr in care = $1,056 in tax savings.
Get a companion care Letter of Medical Necessity ($199)co-op.care places companion caregivers who earn $25–28/hr with equity — which means the same caregiver stays with your family. Caregiver-owned cooperatives run roughly 30% turnover versus roughly 64% industry-wide — about half the churn of agency care.
Learn about co-op.care companion careEnter your email and we'll send a personalized aging-care savings estimate — no account required.