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

Respite care can qualify under IRS long-term-care rules — a physician certifies

Respite care — temporary relief for a primary family caregiver — can run pre-tax when the person receiving care is chronically ill under IRS §7702B(c): a physician certifies they need help with 2+ daily activities expected to last 90+ days, or have severe cognitive impairment, with a written plan of care. Most palliative-stage patients meet that bar — but a physician decides, and your plan administrator approves. At a 22% bracket, $3,600/yr in respite care is roughly $792 in tax savings — illustrative; not guaranteed; not tax advice.

Start the physician evaluation for respite care ($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

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HSA/FSA eligibility is determined by your plan administrator, not by ComfortCard or co-op.care. A Letter of Medical Necessity is supporting documentation, not a guarantee of reimbursement, and is issued only when a physician finds it clinically appropriate. Any savings figures are illustrative and depend on your plan and tax bracket. This is not tax or legal advice.