Blood tests you can pay for with HSA or FSA (2026)

Services whose own pages say HSA or FSA funds are accepted or eligible. Check with your plan administrator too.

By Julian Caraulani · Last updated November 7, 2026

Quick answer

16 of the 24 services we track qualify. The highest scored is Vitals Vault (from $99/yr); the lowest published price is WHOOP Advanced Labs at $69/yr.

#1 on this list, by published score, partner link

Vitals Vault

9.2/10Excellent

From $99/yr, one-off, no subscription

Names its lab (Quest Diagnostics)
Clinician review
46 states (not NY, NJ, HI, RI)

Visit Vitals Vault Review

HSA and FSA, ranked

Ranked by our published score. The last column says what qualifies each one, from its own page.

#	Provider	Score	From	Why it is here	Visit
1	Vitals Vaultchecked 2026-11-07 9.2/10. HSA/FSA eligible, per its own site	9.2/10 Excellent	$99/yr $1.50 per measured marker	HSA/FSA eligible, per its own site	Visit
2	Function Healthchecked 2026-11-06 9.0/10. HSA/FSA eligible, per its own site	9.0/10 Excellent	$365/yr $3.69 per measured marker	HSA/FSA eligible, per its own site	Visit
3	WHOOP Advanced Labschecked 2026-11-07 9.0/10. HSA/FSA eligible, per its own site	9.0/10 Excellent	$69/yr $2.03 per measured marker	HSA/FSA eligible, per its own site	Visit
4	Superpowerchecked 2026-11-06 8.8/10. Eligible. Its FAQ (read 2026-10-31) says: "Superpower is HSA/FSA eligible, and members can request an itemized receipt from members@superpower.com to submit for reimbursement." It also says it will refund you before your first lab test if the reimbursement is declined.	8.8/10 Very good	$199/yr $3.69 per measured marker	Eligible. Its FAQ (read 2026-10-31) says: "Superpower is HSA/FSA eligible, and members can request an itemized receipt from members@superpower.com to submit for reimbursement." It also says it will refund you before your first lab test if the reimbursement is declined.	Visit
5	Empirical Healthchecked 2026-11-06 8.6/10. For our heart health program, we are currently cash pay only. We are FSA/HSA eligible.	8.6/10 Very good	$190/yr $2.88 per measured marker	For our heart health program, we are currently cash pay only. We are FSA/HSA eligible.	Visit
6	Labcorp OnDemandchecked 2026-11-06 8.5/10. HSA/FSA: Accepted	8.5/10 Very good	$189/yr $3.71 per measured marker	HSA/FSA: Accepted	Visit
7	Questchecked 2026-11-06 8.3/10. HSA and FSA cards are accepted at checkout and you may be able to use your FSA or HSA funds	8.3/10 Very good	$335/yr $6.32 per measured marker	HSA and FSA cards are accepted at checkout and you may be able to use your FSA or HSA funds	Visit
8	Everlywellchecked 2026-11-06 8.2/10. HSA/FSA eligible, per its own site	8.2/10 Very good	$244/yr $5.25 per measured marker	HSA/FSA eligible, per its own site	Visit
9	Rythm Healthchecked 2026-11-06 8.0/10. Rythm is not currently covered by insurance. However, Rythm is HSA/FSA eligible	8.0/10 Very good	$948/yr $41.22 per measured marker	Rythm is not currently covered by insurance. However, Rythm is HSA/FSA eligible	Visit
10	Lifeforcechecked 2026-11-06 7.5/10. All plans are HSA/FSA Eligible	7.5/10 Good	$599/yr $11.98 per measured marker	All plans are HSA/FSA Eligible	Visit
11	LetsGetCheckedchecked 2026-11-06 7.4/10. FSA & HSA cards accepted.	7.4/10 Good	$99/yr	FSA & HSA cards accepted.	Visit
12	Walk-In Labchecked 2026-11-06 7.3/10. HSA/FSA eligible, per its own site	7.3/10 Good	$305/yr	HSA/FSA eligible, per its own site	Visit
13	InsideTrackerchecked 2026-11-06 7.1/10. Through our collaboration with Truemed, eligible US-based customers can use funds from a Health Savings Account (HSA)	7.1/10 Good	$489/yr $10.19 per measured marker	Through our collaboration with Truemed, eligible US-based customers can use funds from a Health Savings Account (HSA)	Visit
14	SiPhox Healthchecked 2026-11-06 7.0/10. While we don't accept insurance, all our products and services can be paid for using your Health Savings Account (HSA) or Flexible Spending Account (FSA).	7.0/10 Good	$298/yr $13.05 per measured marker	While we don't accept insurance, all our products and services can be paid for using your Health Savings Account (HSA) or Flexible Spending Account (FSA).	Visit
15	Personalabschecked 2026-11-06 6.2/10. No insurance needed. HSA and FSA eligible.	6.2/10 Fair	$150/yr	No insurance needed. HSA and FSA eligible.	Visit
16	Goodlabschecked 2026-11-07 6.0/10. HSA/FSA eligible, per its own site	6.0/10 Fair	No all-in price	HSA/FSA eligible, per its own site	Visit

Each one, in detail

Vitals Vault

One-time panels drawn at Quest with no subscription; physician order, draw fee and report are in the price.

9.2

How we score

From

$99/yr

Lab

Quest Diagnostics

Sample

In-lab draw at Quest

Per marker

$1.50

Lowest cost per measured marker we track on its $99 panel
Physician order and draw fee in the price
No subscription or auto-renewal

Not sold in NY, NJ, HI or RI
Its counts of 120+, 140+ and 160+ include calculated values; we count 66, 73 and 86 measured markers
In-lab draw at Quest only

Visit Vitals Vault Full review

Lowest published plan: Essential, one-off, no subscription. Checked 2026-11-07.

Is Vitals Vault legit?

Function Health

Yearly membership: 100+ markers at Quest, a mid-year retest and a clinician summary.

9.0

How we score

From

$365/yr

Lab

Quest Diagnostics

Sample

In-lab draw at Quest

Per marker

$3.69

Measures ApoB, Lp(a), fasting insulin, omega-3 and heavy metals in the base price
Two draws a year included
Clinicians review every result

No refunds for prior payments, and membership auto-renews at the then-current price.
'160+ lab tests' counts the mid-year retest; the annual draw is 100+.
NY/NJ residents can be billed lab fees on top of the membership, amount not disclosed upfront.

Visit Function Health Full review

Lowest published plan: Function Membership, yearly membership, auto-renews. Checked 2026-11-06.

Is Function Health legit?

WHOOP Advanced Labs

Quest-drawn panels bought through WHOOP, from $69 for a basic panel; results appear in the WHOOP app.

9.0

Lab

Quest Diagnostics

Sample

In-lab draw at Quest

Per marker

$2.03

Low entry price for a basic panel
Results shown inside the WHOOP app
HSA/FSA eligible

Its FAQ says no membership is needed; its Terms say one is required unless WHOOP says otherwise in writing
Extra fee at the lab in NY, NJ and RI, varying by panel
Clinician report is extra on the Basic panel

Visit WHOOP Advanced Labs Full review

Lowest published plan: Basic Health Panel, one test. Checked 2026-11-07.

Is WHOOP Advanced Labs legit?

Superpower

Yearly membership: one Baseline panel at Quest, clinician review, AI chat.

8.8

How we score

From

$199/yr

Lab

Quest Diagnostics / Labcorp / other third-party lab

Sample

In-lab draw

Per marker

$3.69

Lowest yearly membership price we track outside NY and NJ
Clinicians from an independent medical group review results
Satisfaction refund in its membership agreement

'100+ biomarkers' includes calculated ratios; our count of distinct measured markers is lower.
NY/NJ members pay double ($399).
At-home draws cost extra and the fee is only shown at booking.

Visit Superpower Full review

Lowest published plan: Superpower Membership (Baseline panel), yearly membership, auto-renews. Checked 2026-11-06.

Is Superpower legit?

Empirical Health

Heart-focused panel of 100+ items at Quest or BioReference, with a physician-interpreted report.

8.6

How we score

From

$190/yr

Lab

Quest Diagnostics and BioReference

Sample

In-lab draw at Quest or BioReference

Per marker

$2.88

One-time payment, no auto-renewing membership for the panel
ApoB and Lp(a) included
Publishes its NY and NJ price

Doctor video visit and care plan only in the $399 program; the $190 panel gets a physician-interpreted report.
Biomarker count includes calculated ratios and risk scores.
Medical services in 'over 30 states' with no published exclusion list.

Visit Empirical Health Full review

Lowest published plan: Comprehensive Heart Health panel, one-time payment. Checked 2026-11-06.

Is Empirical Health legit?

Labcorp OnDemand

Labcorp's own store: order panels and single tests, approved by an independent physician.

8.5

How we score

From

$189/yr

Lab

Labcorp

Sample

In-lab draw at Labcorp

Per marker

$3.71

The lab sells directly: no middleman
Physician network orders the test and calls on follow-up
HSA and FSA accepted

$20 provider-order fee is kept if you cancel.
Anyone linked to your Labcorp Patient account sees all OnDemand results.
No collection sites in some states; you must travel.

Visit Labcorp OnDemand Full review

Lowest published plan: Comprehensive Health Test, one-off test. Checked 2026-11-06.

Is Labcorp OnDemand legit?

Quest

Quest's own store: panels and single tests with a $6 physician fee per order.

8.3

How we score

From

$335/yr

Lab

Quest Diagnostics

Sample

In-lab draw at Quest

Per marker

$6.32

The lab sells directly, ordered through the PWNHealth network
Sold in New York and New Jersey
HSA and FSA accepted

$6 physician service fee on top of every listed price.
The questhealth.com seller entity is not a HIPAA covered entity.
No standalone ApoB or estradiol test surfaced in site search; ApoB only inside a $215 panel.

Visit Quest Full review

Lowest published plan: Comprehensive Health Profile (men's), one-off test. Checked 2026-11-06.

Is Quest legit?

Everlywell

At-home kits, in-lab Everywhere orders and the yearly Everlywell 360 panel at Quest.

8.2

How we score

From

$244/yr

Lab

Quest Diagnostics

Sample

At-home kits

Per marker

$5.42

Physician review included on home kits
Yearly 360 panel runs at Quest
Many single-purpose home kits

Men's Health Test and part of the Women's Health Test use saliva, not a blood draw.
Everywhere adds a $15 clinician review fee to every request on top of the listed test price.
Memberships auto-renew until canceled.

Visit Everlywell Full review

Lowest published plan: Essential Wellness Panel (in-lab), one-off order. Checked 2026-11-06.

Is Everlywell legit?

Rythm Health

Monthly at-home capillary kit run in its own CLIA-certified, CAP-accredited lab.

8.0

How we score

From

$948/yr

Lab

Rythm Health's own laboratory

Sample

At-home kit

Per marker

$41.22

Runs samples in its own CLIA-certified, CAP-accredited lab
Available in all 50 states
Skip up to 90 days between tests

$79 headline is per month: about $948/yr before shipping and tax; Rythm's own affiliate page values it at $1,200/yr.
Auto-renews every 30 days.
No physician-patient relationship or medical advice; critical results are your responsibility to act on.

Visit Rythm Health Full review

Lowest published plan: Monthly membership, 12 tests a year, renews every 30 days; skip up to 90 days. Checked 2026-11-06.

Is Rythm Health legit?

Lifeforce

Clinician-led membership with at-home draws, 45-minute consults and add-on treatments.

7.5

How we score

From

$599/yr

Lab

Not stated

Sample

At-home phlebotomist

Per marker

$11.98

At-home phlebotomist included
45-minute clinician consults included
HSA and FSA eligible

Much higher all-in cost than test-only memberships: about $1,838 in year one on the monthly plan.
Prices differ across Lifeforce landers ($149 vs $199 first payment; diagnostic $599 vs earlier $349).
Narrow refund window and none once services are used.

Visit Lifeforce Full review

Lowest published plan: Core Annual Membership, one-time yearly fee. Checked 2026-11-06.

Is Lifeforce legit?

LetsGetChecked

At-home finger-prick kits run in its own CLIA-certified, CAP-accredited lab.

7.4

How we score

From

$99/yr

Lab

Priva Path Labs Inc. d/b/a LGC Labs

Sample

At-home kit

Per marker

$19.80

Owns its CLIA-certified, CAP-accredited lab
Clinician reviews results
4.3 on Trustpilot from 18,000+ reviews

Several hormone and STI kits are barred in New York.
Treatment consult and medication are not included in kit prices.
Opened kits cannot be returned, and refunds deduct kit and shipping costs.

Visit LetsGetChecked Full review

Lowest published plan: Diabetes & Heart Test, one-off kit. Checked 2026-11-06.

Is LetsGetChecked legit?

Walk-In Lab

Lab-test store with a choice of Labcorp or Quest and a $6 physician fee per order.

7.3

How we score

From

$305/yr

Lab

Labcorp and Quest Diagnostics

Sample

In-lab draw at Labcorp or Quest

Clinician review

Not included

Choose Labcorp or Quest
4.8 on Trustpilot from 6,000+ reviews
Says it does not sell customer information

$6 physician fee added per order.
No physician results review or follow-up; you are told to see your own provider.
Labcorp route blocked in MD and MA too, beyond the usual NY/NJ/RI.

Visit Walk-In Lab Full review

Lowest published plan: Wellness #3 Extreme Blood and Urine Panel, one-off panel. Checked 2026-11-06.

Is Walk-In Lab legit?

InsideTracker

Ultimate blood test plus an algorithm-driven action plan; physician approves the order.

7.1

How we score

From

$489/yr

Lab

Quest Diagnostics

Sample

In-lab draw at Quest

Per marker

$10.19

Claims HIPAA compliance and SOC 2 Type II
Partner labs stated as CLIA-certified
Mobile draw available everywhere it sells

Highest cost per biomarker of this group: $489 for up to 54 markers is about $9 per marker, and the first year price includes the platform fee that renews.
30-day advance cancellation window before renewal, and no refund once blood is drawn.
Promotional prices apply to the first term only; renewals at full retail.

Visit InsideTracker Full review

Lowest published plan: Membership + Ultimate Blood Test, first year; renews at full retail. Checked 2026-11-06.

Is InsideTracker legit?

SiPhox Health

At-home upper-arm kits on a subscription, tested monthly, quarterly or twice a year.

7.0

How we score

From

$298/yr

Lab

Third-party CLIA-certified

Sample

At-home kit

Per marker

$13.55

At-home upper-arm collection, no lab visit
Cancel, pause or switch panels any time
States CLIA and CAP accredited partner lab

Headline price excludes $25 shipping per cycle; $99 is first cycle only.
Not available in New York or Hawaii.
Privacy policy allows selling aggregated data and sharing de-identified data with AI vendors.

Visit SiPhox Health Full review

Lowest published plan: Longevity Essentials, tested every 6 months, per testing cycle; slowest cadence is every 6 months. Checked 2026-11-06.

Is SiPhox Health legit?

Personalabs

Labcorp-only test store; physician network approves orders and reviews results.

6.2

How we score

From

$150/yr

Lab

Labcorp

Sample

In-lab draw at Labcorp

Clinician review

Included

Physician review of results included
States it is subject to HIPAA
HSA and FSA eligible

Single tests priced well above Walk-In Lab and Ulta (e.g. vitamin D $135, ApoB $123).
Refunds only within 7 days and reduced by $20.
Labcorp only: no Quest option.

Visit Personalabs Full review

Lowest published plan: Wellness Checkup, one-off panel. Checked 2026-11-06.

Is Personalabs legit?

Goodlabs

Pay-per-test lab orders at Quest or Labcorp with no membership, plus free panels for eligible blood donors.

6.0

How we score

From

See site

Lab

Quest Diagnostics

Sample

In-lab draw at a partner lab

Clinician review

Not included

No membership
Published marker list for each panel
Free panel for eligible blood donors at partner centers

A flat lab fee per visit is added and its amount is not on the pages we read
Its site notes prices vary by lab location
A clinician review of results is not included in the panel price

Visit Goodlabs Full review

Is Goodlabs legit?

Questions about this list

Which service is first on this list?

Vitals Vault, ranked by published score at 9.2/10. That is Essential, one-off, no subscription.

What is the lowest published price here?

$69/yr at WHOOP Advanced Labs (Basic Health Panel, one test).

How does a program get on this list?

Services whose own pages say HSA or FSA funds are accepted or eligible. Check with your plan administrator too. Paused programs and programs nobody can order are left out, and a list with fewer than 2 qualifying services is not published.

Do partner payments change this order?

No. The order is the published score. Vitals Vault is first on that measure and also pays us a commission.

Check this page with an AI assistant:ChatGPT Perplexity Claude

Not affiliated with OpenAI, Perplexity or Anthropic.