State-by-state expense rules

Therapies & special-needs services

Education-related therapies, specialized services, and assistive supports, often subject to provider credentials or disability documentation.

7allowed
7conditional
0not allowed
0unclear
UT

Utah

Utah Fits All Scholarship

Allowed

Educational occupational, behavioral, physical, audiology, and speech-language therapies are eligible.

AL

Alabama

CHOOSE Act

Allowed

Educational therapies from approved providers can qualify.

Provider approval and service eligibility apply.
LA

Louisiana

Louisiana Giving All True Opportunity to Rise (LA GATOR)

Allowed

Approved educational therapies are eligible.

Provider approval applies.
NC

North Carolina

Education Student Accounts (ESA+)

Allowed

Educational therapy, including speech and occupational therapy, is eligible through enrolled providers.

Provider must enroll with SEAA.
NH

New Hampshire

Education Freedom Account

Allowed

Occupational, behavioral, physical, speech-language, audiology, and other educational therapies are eligible.

ID

Idaho

Empowering Parents

Allowed

Educational therapy, speech therapy, and related approved services can qualify.

Use an approved service provider.
AZ

Arizona

Empowerment Scholarship Account

Conditional

Students with qualifying disabilities can use funds for licensed therapies and specialized services.

Disability eligibility and provider credentials may be required.
TX

Texas

Texas Education Freedom Accounts (TEFA)

Conditional

Educational therapies are eligible when not covered by other government benefits.

Must be educational and not already covered by a government benefit.
FL

Florida

Personalized Education Program (FTC-PEP) · Family Empowerment Scholarship for Students with Unique Abilities (FES-UA)

Conditional

FES-UA can pay specialized services and education-related therapies.

Use FES-UA rules and qualifying-provider documentation.
TN

Tennessee

Education Freedom Scholarship (EFS) · Individualized Education Account (IEA)

Conditional

Approved educational therapies may be paid from remaining funds.

Provider approval and remaining balance required.
GA

Georgia

Georgia Promise Scholarship

Conditional

Occupational, behavioral, physical, and speech-related therapies are eligible from appropriately licensed professionals.

Physician or licensed-therapist rules apply.
AR

Arkansas

Arkansas Education Freedom Account

Conditional

Educational therapists can participate as providers.

Provider and service must be approved.
IA

Iowa

Students First Education Savings Account

Conditional

Occupational, speech, behavioral, cognitive, and related educational services can qualify.

Relevant credentials and, for disability-specific materials, verification may be required.