The single biggest factor in choosing a water filter is your source. City water is already disinfected; well water is not — so they need very different systems. Here is how to tell what you have, what each requires, and how either qualifies for HSA/FSA.
Start with your source
Match the filter to the source. City water needs disinfectant and lead reduction; well water needs iron, sulfur, bacteria, and nitrate treatment. Either qualifies for HSA/FSA with a Letter of Medical Necessity.
If you are on city (municipal) water, a utility treats and disinfects it before it reaches you, then monitors it — your concerns are mostly residual disinfectant, disinfection by-products, and lead from household plumbing. If you are on a private well, nobody treats your water; everything is your responsibility, from bacteria to iron to nitrates. This split drives every other decision. (Our pillar covers it too — see city vs well.)
If you receive a monthly water bill from a utility and an annual Consumer Confidence Report, you are on city water. If you have a well on your property and no water bill, you are on well water — and you should test regularly.
Whole-house carbon for city water; air-injection filtration (plus UV) for wells. Both eligible via the TrueMed checkout.
City whole-house filter → Well water system →Whichever source you have, the rule is identical: a Letter of Medical Necessity tied to a documented concern. Test, document, and buy through a checkout that issues the letter. This page is educational, not medical advice.
If you get a water bill and an annual Consumer Confidence Report from a utility, you are on city water. If you have a well and no water bill, you are on well water and should test regularly.
Yes. City water needs disinfectant and lead reduction (whole-house carbon); well water needs iron, sulfur, bacteria, and nitrate treatment (air-injection filtration plus possibly UV).
Yes, with a Letter of Medical Necessity tied to a documented concern. The eligibility rule is the same regardless of your water source.
