Yes, psychoanalysis is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when it is used to treat a diagnosed mental health condition.
Why Is Psychoanalysis FSA/HSA Eligible?
Psychoanalysis is a form of intensive talk therapy that explores unconscious thoughts and feelings to address mental and emotional disorders. It is typically performed by a licensed psychiatrist, psychologist, or psychoanalyst with specialized training. When used to treat a diagnosable mental health condition—such as depression, anxiety, or trauma—psychoanalysis is considered a qualified medical expense under IRS Code Section 213(d).
IRS Publication 502 specifically includes psychoanalysis as an eligible mental health treatment when it is performed by a trained professional as part of a medical care plan.
FSA- and HSA-eligible psychoanalysis services include:
In-person or virtual psychoanalytic therapy sessions
Evaluations or assessments for psychological conditions
- Treatment plans prescribed or managed by a licensed mental health provider
What’s Not Covered?
The following are not eligible:
Psychoanalysis performed for personal development, self-awareness, or education rather than medical treatment
Services from individuals not licensed or certified to provide mental health care
Life coaching or general counseling without a medical diagnosis
Missed appointments, administrative fees, or non-medical extras
To qualify, psychoanalysis must be part of a treatment plan for a diagnosed mental or emotional disorder and delivered by a licensed provider.
How to Use Your FSA or HSA for Psychoanalysis
You can use your FSA or HSA card to pay directly for eligible psychoanalysis sessions. If paying out of pocket:
Request an itemized invoice listing the provider, service dates, and diagnosis-related treatment
Confirm your provider is licensed to practice mental health care
Submit documentation if your plan administrator requests supporting details
For more information, refer to IRS Publication 502.
