Pregnancy and prenatal care is HSA- and FSA-eligible

The 2020 CARES Act expanded HSA/FSA eligibility significantly for pregnancy — breast pumps and prenatal vitamins are now OTC-eligible without a prescription. Your OB visits, ultrasounds, labor costs, and postpartum care all qualify. Here's your full picture.

Pregnancy — eligible expenses

Postpartum — one more opportunity

The medical side of postpartum recovery can be HSA/FSA-eligible with a physician note

The medical portion of postpartum recovery care — wound care and recovery monitoring after cesarean delivery or complicated births — may qualify under IRS §213(d) with a physician's Letter of Medical Necessity, because it treats a documented condition. General help around the house or routine newborn care does not qualify. At a 22% bracket, $2,400/yr of qualifying care is roughly $528 in tax savings — illustrative; a physician decides what's clinically appropriate, and your plan administrator decides eligibility.

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

After the birth

Postpartum home care — worker-owned, continuous

co-op.care places postpartum caregivers in Boulder who earn fair wages and hold equity — which means the same caregiver stays with your family through recovery and beyond.

Learn about co-op.care postpartum care

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.