We each have a HSA medical account. The only reason I have them is to make a contribution every year to lower our taxable income. Otherwise it just sits there growing tax differed. We now have a repeating medical expense (acupuncture) that insurance will not cover, but it is considered a legitimate expense for the HSA. Unless I'm missing something, I can't see using tax deferred money to pay something I could afford to pay out of pocket. There is no reduction in fees using the HSA. Any advice appreciated.