Best HSA/FSA-Eligible Blood Tests in 2026

Using HSA or FSA funds for blood testing makes it a tax-advantaged purchase — effectively a 20-35% discount depending on your tax bracket. Most major blood test services now accept these pre-tax health accounts.

11 providers matched

Empirical HealthBest Value

100+ biomarkers$190/yr$1.9/marker2200+ locations

Personalized MD video visit included, doctor messaging, custom nutrition plan, exercise routines, mobile app

Visit Site$190

Function HealthMost Comprehensive

160+ biomarkers$365/yr$2.28/marker2000+ Quest

Cancer markers, autoimmune panel (ANA), advanced lipids (ApoB), heavy metals (lead), Omega-3, clinician review

Visit Site$365

Ultrahuman Blood VisionBest At-Home

60+ biomarkers$198/yr$3.3/markerWalk-in labs + at-home collection

UltraTrace technology, correlates blood markers to wearable data (sleep/HRV/resting HR), 15 biomarker categories, partial results in 6 hours, Ring AIR integration

View Offer$198

Superpower

100+ biomarkers$349/yr$3.49/marker2000+ labs nationwide

Advanced lipid panel with LDL-P, inflammation ratios, fatty acid analysis, comprehensive autoimmune panel, concierge messaging

Visit Site$349

Blueprint

100+ biomarkers$365/yr$3.65/markerLabcorp (3500+)

Bryan Johnson protocol, Don't Die app results, personalized longevity protocols

Visit Site$365

EverlywellNot re-verified since Jun 2026

83 biomarkers$449/yr$5.41/markerAt-home

At-home collection, monthly membership credits, 1-4 credits per test

Visit Site$449

SiPhox Health

59 biomarkers$996/yr$16.88/markerAt-home

Needle-free EasyDraw device, AI longevity expert (Sai), wearable integrations (Oura/Fitbit/Apple Watch), supplement recommendations, third-party lab uploads

View Offer$996

Life Extension Standard

25+ biomarkers$650/yr$26.0/markerQuest Diagnostics, 2,200+ patient service centers

Male/Female Panel covering hormones, thyroid, lipids, CBC, CMP, HbA1c and Ferritin; physician order and lab fees included; free Wellness Specialist consultations

View Offer$650

Life Extension Elite

40+ biomarkers$1198/yr$29.95/markerQuest Diagnostics, 2,200+ patient service centers

Male/Female Elite panels, 33 test line items including sensitive LC/MS estradiol, Reverse T3, ApoB, IGF-1, SHBG, full iron studies, free unlimited Wellness Specialist consultations

View Offer$1198

#10

Lifeforce

50+ biomarkers$1987/yr$39.74/markerAt-home phlebotomist nationwide

Clinician-led model, at-home blood draw included, 45-min 1:1 telehealth consult, quarterly retesting, access to hormone therapy and pharmaceuticals

Visit Site$1987

#11

Personalabs

400+ biomarkersVaries4,000+ Labcorp locations

A la carte test ordering, physician-approved lab order included at no extra charge, no hidden draw/doctor/lab/processing fees, no insurance or referral needed, results in 24-48 hours

Visit SiteVaries

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