Palliative and end-of-life care is HSA- and FSA-eligible

This is the least-known HSA/FSA benefit category — and the most consequential. Home health aides, palliative care specialists, durable medical equipment, advance care planning, and pain management all qualify. Pre-tax dollars reduce the financial burden on families during the hardest season.

Palliative care — eligible expenses

Respite care — one extra step

A physician Letter of Medical Necessity strengthens respite care eligibility

Respite care — temporary relief for a primary family caregiver — is HSA/FSA eligible when physician-ordered. A Letter of Medical Necessity documents the caregiver's role in the patient's medical care plan, establishing eligibility under IRS 213(d). At a 22% bracket, $3,600/yr in respite care = $792 in tax savings.

Get a respite care Letter of Medical Necessity ($199)

Document what matters

Create an After Note — a living record of care preferences

An After Note captures what your loved one wants the care team to know — their values, wishes, and the stories that define them. It travels with care and lives in the medical record.

Create an After Note

ComfortCard

See how much you could save this year.

Enter your email and we'll send a personalized palliative care savings estimate — no account required.

Ready to track every expense? Create a free ComfortCard →

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