Is AgenticHSA live yet?

Not yet. Early access is open now. We have not set a launch date.

Can an AI coach sign a Letter of Medical Necessity?

No. An AI can draft a letter, but a draft is not a determination -- a licensed physician must review a real, documented encounter and sign it before it is valid.

Does this site send what I type?

No. The expense sorter and the paper reader run in your browser and send nothing you tap or paste. Only the early-access form sends the details you put in it.

What can I shelter pre-tax in 2026?

The IRS sets a yearly HSA contribution limit for self-only coverage, a higher one for family coverage, and an added catch-up contribution for people 55 and older; the 2026 figures are in IRS Rev. Proc. 2025-19. What it saves depends on your federal and state tax bracket.

AgenticHSA: sort health spending, read the paper that came with it

AgenticHSA in 15 seconds

Text version:

Your AI coach says: get a CGM. It can recommend it. It can't make it pre-tax.
An agent that reads, never spends. Designed to flag spend that may qualify, never to move money.
No documented condition, no letter. It won't build a case around a purchase. Many do not qualify.
Today: an early-access list. It isn't live yet. Join, and we'll email you when it opens.
AgenticHSA. Pre-tax for the care you actually need. agentichsa.com

how the tools work

Plain rules, on your phone, with the source shown.

Sort spending. Tap what you spend on. Four piles: generally qualifies, only for a diagnosed condition, unclear, and the honest no. Each answer cites IRS Publication 502, Publication 969 or IR-2024-65. Builds a worksheet of receipts to keep and questions for your clinician and plan.
Read a paper. Paste a medical bill, an insurer's statement, a denial, a collection letter or a message asking for money. It lists the dates and amounts, any charge listed twice, scam signs (from CFPB and Medicare.gov), and deadlines from federal rules: at least 180 days to appeal a job-based plan's denial, 30 days to dispute a debt, at least 240 days to ask a nonprofit hospital for financial assistance.
After a death. Enter the date and tick what applies: the month Social Security stops, the window for the Social Security lump-sum payment, what happens to an HSA by beneficiary, the one-year window for their medical bills, and the final return. Each date cites 20 CFR 404 or IRS Publications 969, 502 and 559. The paper reader also writes a records request under 45 CFR 164.524.
What stays with you. All three run in this browser tab. No account, no AI. Nothing you tap or paste is sent or saved. General information, not tax or legal advice; your plan administrator makes the final call.

IRS §213(d) · §7702B(c) · the standard we hold

A letter cannot make a personal expense medical. It can document care that already is.

In March 2024 the IRS warned specifically (IR-2024-65 and its FAQ) that a note based on self-reported information does not turn food, wellness or exercise spending into medical care. Real documentation needs a visit with the provider who diagnoses and treats you, in person or by telehealth. We build to that rule.

The solid ground is long-term care. The law already counts it as medical care when two things are true: the person is chronically ill, and the care follows a plan of care prescribed by a licensed practitioner. Nothing is converted. The certification is what the law asks for.

The test we apply. Unable to perform at least two activities of daily living for 90 days or more without substantial assistance, or requiring substantial supervision due to severe cognitive impairment. Certified within the last twelve months, renewed annually.

What we decline. General fitness and wellness. Food and supplements for general health. Any request that arrives as “write me a letter so I can pay for this.” A review that never says no is not a review. So we say up front that we decline.

Check this first: HSA funds cover you, your spouse and your tax dependents. Paying for a parent usually means they must qualify as your dependent: check a parent or relative against the rule, on your device.

Care at home for someone chronically ill? Seven questions, on your device, sort that care against the rule above. It never says an expense is covered, and neither does this page.

General information, not tax or legal advice. Eligibility depends on IRS rules, your plan terms and your circumstances.

Sort what you spend. Read the paper that came with it.

AgenticHSA in 15 seconds

When care is medically necessary, it should be pre-tax.

How much can you put in pre-tax this year?

Plain rules, on your phone, with the source shown.

A letter cannot make a personal expense medical. It can document care that already is.

AgenticHSA is not live yet.