Women’s health priorities are shifting toward proactive, personalized care — including menopause support, preventive screening, medical weight loss, wearable health tracking, and expanded reproductive care. Many of these services may be qualified medical expenses, and a Health Savings Account (HSA) can help make this care more affordable.
If you’re new to HSAs, explore our HSA Guide and list of qualified medical expenses. If you’re a HealthEquity member, you can find HSA-eligible care and products in HealthEquity marketplace when you log in.
Top women’s health trends to watch
- Menopause care and hormone health support
- Preventive care and expanded lab testing
- Personalized medical weight loss (including GLP-1 support)
- Wearable health tracking and cycle insights
- Reproductive health access and family planning
- A more connected view of health
1. Hormone health is getting more attention
Perimenopause and menopause care focuses on managing hormonal changes that can influence sleep, energy, mood, and overall wellbeing.
Menopause, including the transitional phase known as perimenopause, is increasingly recognized as an important stage of health, with growing awareness and more open conversations around symptoms and treatment options.
More women are exploring support for hormonal changes that may affect comfort, sleep, mood, and quality of life — with convenient access to care through telehealth.
Advancements in clinical guidance and treatment options have helped expand access to care, making it easier to explore solutions that fit individual needs and preferences.
How your HSA may help
Qualified medical expenses may include provider visits, lab testing, and prescription treatments related to menopause care. Prescription therapies such as HRT are typically eligible, while some over-the-counter products may require a Letter of Medical Necessity.
2. Preventive care is expanding through advanced testing and screening
Preventive care focuses on identifying and addressing potential health concerns early through screenings, lab work, and regular checkups.
Preventive care is becoming an increasingly important part of women’s health. More individuals are choosing to stay ahead of potential concerns through routine screenings and expanded lab testing. These services can help provide a clearer picture of overall health, including insights into hormone levels, metabolic health, and key biomarkers.
Greater access to diagnostic tools has made it easier to establish a baseline and monitor changes over time, helping support more informed health decisions.
How your HSA may help
Lab testing, screenings, and diagnostic services may be qualified medical expenses when recommended by a healthcare provider.
3. Medical weight loss is becoming more personalized
Medical weight loss includes clinician-guided care that may involve prescriptions, metabolic support, and ongoing monitoring.
Weight management is increasingly moving toward personalized, medically guided support. Many individuals are exploring programs that include clinical guidance, behavior coaching, and long-term monitoring.
GLP-1 medications — commonly prescribed for conditions like obesity or diabetes — have become an important part of this trend. These medications are often used alongside broader support designed to promote metabolic health and overall wellbeing.
How your HSA may help
With a prescription, medical weight loss programs — including GLP-1 medications and related care — may be qualified medical expenses.
4. Wearables are turning data into action
Wearable health technology uses real-time data to track patterns such as sleep, activity, and physiological changes.
Wearable technology continues to evolve, offering deeper insights into daily health patterns. Devices like smart rings and watches can track sleep quality, heart rate trends, and stress. Oura Ring offers additional insights for women’s health, including cycle tracking, pregnancy insights, and perimenopause monitoring.
These tools can help increase awareness of how daily habits and personal health patterns connect to how the body feels and performs. By providing continuous feedback, wearable devices may support more informed lifestyle decisions.
How your HSA may help
Some wearable devices, including Oura Ring, may be eligible when used for qualified medical care and properly documented. Eligible retailers may accept the HealthEquity® Visa® Card1 and other HSA cards at checkout.
5. Reproductive health access is expanding across life stages
Reproductive health includes services related to contraception, fertility, pregnancy, and postpartum care.
Access to reproductive health services continues to expand, helping support individuals across different stages of life. Options such as over-the-counter birth control pills, telehealth services, and fertility care are making it easier to navigate family planning.
At the same time, continued progress in fertility technology and prenatal care are giving women more flexibility and support.
How your HSA may help
Many reproductive health services — including prescription and over-the-counter contraception, fertility treatment for medical conditions, and prenatal care — are qualified medical expenses.
6. Women’s health journeys are becoming more connected
Connected health means understanding how different areas — such as hormones, metabolism, sleep, and reproductive health — influence each other.
One of the biggest shifts in women’s health is recognizing how these systems work together:
- Hormonal changes can influence sleep, energy, and metabolism
- Metabolic health can affect reproductive health and overall wellbeing
- Sleep and stress patterns can impact hormonal balance
Lab testing and wearable technology can help provide insights across these areas, supporting a more holistic understanding of health.
Rather than focusing on a single concern, many individuals are taking a more integrated approach — combining care, data, and personalized support to improve overall wellbeing.
How your HSA may help
An HSA can help support multiple aspects of your health journey — from lab testing and provider visits to prescription treatments and wearable health trackers — allowing for a more comprehensive approach to care.
If you’re a HealthEquity member, visit marketplace to explore HSA-eligible solutions.
Did you know?
HSAs offer a triple tax advantage that can help stretch your healthcare dollars further:
- Tax-free contributions2
- Tax-free distributions for qualified medical expenses
- Tax-free growth on interest or investment earnings3
Frequently Asked Questions (FAQs)
Can you use an HSA to pay for women’s health services?
Yes, qualified medical expenses may include provider visits, lab testing, prescriptions, and many over-the-counter medicines. Menstrual products, including tampons and pads, and birth control are considered qualified expenses. ### Do perimenopause and menopause treatments qualify? Yes, prescription treatments such as HRT typically qualify for payment with your HSA, while some over-the-counter options may require a Letter of Medical Necessity.
Are GLP-1 medications qualified medical expenses?
Yes, GLP-1 medications, along with related clinical care, are qualified medical expenses when prescribed by a healthcare provider.
Can you buy wearable devices with an HSA?
Yes, wearable devices that support health monitoring may be qualified medical expenses.
Why is preventive care important?
Preventive care helps identify potential health concerns early, supporting better long-term outcomes and more informed health decisions.
HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.
1 This card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A., Inc. Your card can be used everywhere Visa debit cards are accepted for qualified expenses. This card cannot be used at ATMs and you cannot get cash back, and cannot be used at gas stations, restaurants, or other establishments not health-related. Please refer to the Cardholder Agreement included in your Card Package for complete usage restrictions.
2 HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.
3 Investments are subject to risk, including the possible loss of the principal invested, and are not FDIC or NCUA insured, or guaranteed by HealthEquity, Inc. Investing through the HealthEquity investment platform is subject to the terms and conditions of the Health Savings Account Custodial Agreement and any applicable investment supplement. Investing may not be suitable for everyone and before making any investments, review the fund’s prospectus.
HealthEquity does not provide medical, legal, or tax advice. Marketplace products and services — including GLP-1 programs, menopause-related HRT, Oura Rings, and similar offerings — may or may not qualify as qualified medical expenses under Internal Revenue Service (IRS) rules. Content provided on this site is provided for informational purposes only and should not be relied upon for eligibility determinations.
Marketplace offerings are not sponsored, endorsed, or administered by any employer, health plan sponsor, or HealthEquity. Availability of a product or service through the Marketplace does not mean it is covered, reimbursable, or approved under your employer-sponsored plan.
Third-party link notice: By clicking a link, you are leaving the HealthEquity experience and accessing a third-party website or service. Third-party products and services are offered and administered independently by their respective vendors, and HealthEquity is not responsible for third-party content, policies, or practices. Any purchase, enrollment, or data you provide is governed by the third party’s terms, not HealthEquity’s.
Affiliate compensation disclosure: HealthEquity may receive compensation when you purchase certain marketplace products or services through the links provided. This compensation does not affect the price you pay.
Follow us