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However, the premiums for the following insurances, and in the specified situations, are qualified medical expenses for HSA purposes: Long-term care insurance (up to limits as set by the IRS) Health care continuation coverage (including COBRA, for example) Health care coverage while receiving unemployment benefits Premiums for Medicare or other health care coverage if you were 65 or older (excluding premiums for Medical supplemental policies) Expenses that may qualify with a letter of medical necessity Although a lot of health care products and services qualify for reimbursement from your HSA or FSA (like those mentioned before), some expenses require a letter of medical necessity from a health care provider in order to be eligible expenses

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