VA Form 10-10HS: Hardship Determination Guide 2026 – If you’re a U.S. veteran struggling with VA health care copays due to financial difficulties, VA Form 10-10HS (Request for Hardship Determination) can provide significant relief. This form helps veterans request a copay exemption and potential reassignment to a higher priority group for VA health care benefits.
Updated for 2026, this comprehensive guide explains everything you need to know about the form, eligibility, submission process, and more.
What Is VA Form 10-10HS?
VA Form 10-10HS is the official Request for Hardship Determination used by the Department of Veterans Affairs. It allows veterans to demonstrate that their projected annual income for the current year is substantially below the VA means test threshold due to a loss of income or increased allowable deductible expenses.
Approved veterans receive an exemption from hospital and outpatient medical care copays and may qualify for enrollment in Priority Group 5 (unless eligible for a higher group) from the date of request through the end of the calendar year.
Who Should Use VA Form 10-10HS?
You should consider filing VA Form 10-10HS if:
- Your income has significantly decreased this year (e.g., job loss, retirement, or reduced benefits).
- You’ve experienced a substantial increase in deductible medical expenses or other allowable costs.
- You’re currently in a priority group that requires copays for VA health care services.
- You want to avoid or reduce outstanding VA copay bills due to financial hardship.
This is particularly relevant for veterans in Priority Groups 7 and 8, whose eligibility is income-based.
Benefits of a Successful Hardship Determination
Submitting a successful VA Form 10-10HS can result in:
- Copay exemption for hospital and medical care for the remainder of the calendar year.
- Adjustment to Priority Group 5, improving access to VA health care services.
- Relief from current and future copay debts during the exemption period.
Note: This exemption typically does not apply to pharmacy copays or certain other charges. Always verify with your local VA facility.
How to Fill Out VA Form 10-10HS?
The form is straightforward but requires accurate financial information:
- Provide your personal information, VA claim number, and contact details.
- Report your current and projected income for the year.
- Detail allowable deductible expenses (e.g., unreimbursed medical costs, certain debts).
- Explain the reasons for your financial hardship.
- Sign and date the form.
Accurate projections and supporting documentation are key to approval.
Supporting Documents and Hardship Letter
In addition to the form, VA recommends submitting:
- A detailed hardship letter explaining your financial situation and why you cannot afford copays.
- Proof of income (pay stubs, tax returns, Social Security statements, etc.).
- Documentation of major expenses or life events (medical bills, layoff notices, etc.).
Strong supporting evidence significantly improves your chances of approval.
How to Submit VA Form 10-10HS?
You can submit your completed form and letter:
- In person at the business office or health administration office of your nearest VA medical center.
- By mail to your local VA facility.
Find your nearest facility using the VA’s location tool. Processing times vary, but early submission maximizes the benefit period for the current year.
Download VA Form 10-10HS
Download VA Form 10-10HS (PDF) – Official fillable version from VA.gov.
Always use the most current version from the official VA website for the latest instructions and OMB approval (expires 07/31/2027).
VA Health Care Priority Groups and Income Limits
Hardship determinations often move veterans into Priority Group 5. Understanding your current priority group and how income affects eligibility is crucial. Check current VA income limits for 2026.
Common Questions About VA Form 10-10HS
Can I submit the form anytime? Yes, but submitting as soon as your financial situation changes allows for the longest exemption period.
What if my request is denied? You can provide additional information or appeal the decision. Contact your local VA enrollment coordinator.
Does this affect other VA benefits? Generally no, but it may influence your overall health care enrollment status.
Additional Resources for Veterans
For more help:
- Call the VA Health Benefits Helpline at 1-877-222-VETS (8387), Monday–Friday, 8 a.m.–8 p.m. ET.
- Visit your local VA medical center’s business office.
- Review official guidance on the VA Financial Hardship page.
Remember: Providing complete and accurate information helps the VA process your request efficiently.
This article is for informational purposes only and is not a substitute for official VA advice. Always consult VA.gov or a VA representative for personalized guidance.