Your Health Savings Account can be used for smoking cessation expenses—the IRS lists smoking cessation programs as eligible HSA expenses.
Unlike FSA funds, your HSA balance rolls over each year.
21 Days
$0 Out of Pocket*
*With HSA Funds
100% HSA Eligible
💬 Bob says:
"I thought working with my mind to quit was woo-woo nonsense. Turns out I was wrong. Your HSA knows what's up."
HSA contributions are pre-tax, withdrawals for eligible expenses are tax-free, and your HSA can grow tax-free. Using it for quitting support is financially smart.
Unlike FSA funds, your HSA rolls over every year. You can use it now or later—but why wait?
Quitting frees up the money you'd normally spend on cigarettes. Some people redirect that into savings or additional HSA contributions.
Log into your HSA portal to see your available funds.
Use your HSA debit card at checkout, or pay another way and get reimbursed through your HSA portal.
Join Quit Smoking Bob™ — The 21-Day Quit Smoking Breakthrough™.
That's it.
Rolls over every year, you own it, flexible timing, great for long-term planning
Usually expires Dec 31, must be used before deadline, employer-owned
Bottom Line: Both work for quit-smoking support. HSAs give you more freedom. FSAs require faster action.
Bob says: "Yep. This is one of those rare times when the rules are actually pretty simple."
Smoking cessation support is HSA-eligible. Use your HSA card at checkout or submit your receipt for reimbursement.
Bob says: "Nope. Just your HSA card and a plan to take action."
For smoking cessation support, HSAs typically don't require a prescription or doctor's note.
Bob says: "If your FSA is expiring soon, use that first. It's like milk—it has a date."
Use FSA first if it's close to expiring (most expire Dec 31). Use HSA anytime since it rolls over.
Bob says: "Everyone's quit journey looks different. There's no 'one right way.'"
Many people join after trying other methods that didn't fit. This program focuses on weekly support and shifting the patterns driving the habit—not just willpower.
Bob says: "Yes—quitting can be a team sport."
HSA funds can typically be used for you, your spouse, and your tax dependents for eligible health expenses.
Okay, Bob needs to get real for a minute because this part matters.
Most people know smoking kills. About 8 million people a year.
But here's what Bob thinks people deserve to understand: that's only part of the story.
Because while millions die each year, hundreds of millions more are still alive—living with the damage smoking causes.
Not dying. Living.
With shortness of breath. With chronic pain. With bodies that don't work the way they used to.
An estimated 346 million people worldwide are currently living with smoking-related COPD.
And that's just one disease.
When you add heart and circulation disease, cancer survivors, amputations, vision loss, and other smoking-related conditions, the number of people affected grows even larger.
These aren't rare cases.
They're everyday people.
Parents.
Grandparents.
Friends.
Many people wake up every day managing shortness of breath, chronic pain, limited mobility, or permanent health changes caused by cigarettes.
Bob's seen this up close. Not the numbers—the actual people.
Most smokers who develop COPD don't die quickly. They live with a progressive, chronic disease that gets worse over years.
Some people with severe disease live only a few years after
diagnosis.
Others with milder disease might live a decade or longer.
But longer doesn't mean better.
Breathing becomes harder. Energy drops. Simple things—walking to the mailbox, climbing stairs, getting dressed—become exhausting.
This isn't a fast ending. It's a slow, exhausting decline.
Bob's met people in their forties who can't walk to their car without stopping to catch their breath.
People who've had legs amputated because smoking destroyed their circulation.
Parents who can't play with their kids because they're too sick.
That's the part people rarely hear about.
When people only think about death, it feels distant. Abstract.
But the impact of smoking-related disease is immediate. It's ongoing. It's right now for millions of people.
If people truly understood what it's like to live with COPD—having to pace every movement, manage every breath—many would quit much sooner.
This is what hundreds of millions of people are living with:
Smoking contributes to 1 in 4 heart-disease deaths
Smoking causes a significant share of cancers and about 30% of cancer deaths
Smokers are 4× more likely to lose limbs
Smoking doubles the risk of certain causes of blindness
These effects don't stop with the smoker.
They affect entire families.
This isn't about fear.
It's about facts.
Smoking doesn't usually take life quickly.
It often takes years of living first.
Years of limitation.
Years of adapting.
Years of watching life get smaller.
That's the part people deserve to understand.
(General health information shared for awareness — not medical advice.)
Join Quit Smoking Bob™: The 21-Day Quit Smoking Breakthrough
Morning, afternoon, and evening sessions available