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IRS expands list of preventive care for HSA participants to include certain care for chronic conditions

I received a notice the other day that the IRS has expanded the list of preventative care for HSA (Health Savings Account) participants, and the list now includes inhaled corticosteroids and peak flow meters for Asthma. I thought I'd share this here, as it might help save money for anyone who uses inhaled corticosteroids for asthma control… Below is a link to the information.

IRS expands list of preventive care for HSA participants to include certain care for chronic conditions: 

Inhaled corticosteroids include:
  • Fluticasone (Flovent HFA)
  • Budesonide (Pulmicort Flexhaler)
  • Mometasone (Asmanex Twisthaler)
  • Beclomethasone (Qvar RediHaler)
  • Ciclesonide (Alvesco)

I'm not an insurance expert, but it's my understanding that if something is classified as "preventative care," it will be covered 100% by your health plan, with no out-of-pocket cost… I asked my health insurance agent whether or not this will affect me and am waiting to hear back. Unfortunately, I don't think it will, because my current asthma control medication is Symbicort, which is classifed as a combination drug that includes a steroid and a long-acting bronchodilator drug, and I think that only those medications classified as solely an inhaled corticosteroid (not a combination) will be included in this expansion of "preventative care". To be determined…

Was anyone else aware of these changes, and/or will you be able to benefit from them?

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  • Pljohns

    Thank you for posting this-I was not aware of the changes but they would definitely help if they are in fact included in preventative and covered 100%.  Please let us know what you find out form your insurance plan

  • K8sMom2002

    Very interesting … it may be that the IRS rules for Health Savings Accounts differ from what is considered preventive care under the Affordable Care Act. 

    Your insurance policy may have a different definition of preventive care as well, because health insurance is mainly regulated on the state level, and each state determines a list of preventive care items that insurance in that state covers. There's a lot of overlap, and there's some federal regulation, but for the most part, insurance is regulated at the state level.