A Personal Health Budget (PHB) puts you at the centre of your care. It gives you the power to choose support and services that fit your life—not just your condition—so you can take control and live more independently.
But once your budget is approved, a big question arises:
“What can I actually spend it on?”
The short answer: Anything that helps you meet the goals in your care plan, as long as it’s safe, legal, and agreed with your NHS team. Making the most of your PHB takes planning, creativity, and clear understanding.
Let’s break it down.
Start with Your Care Plan
Before spending a penny, you need a care and support plan in place. This personalised document sets out:
- Your health and well-being goals (also called outcomes)
- The challenges you face
- How your PHB will help you live more independently or manage your condition
All spending must link directly to these goals. For example, if one goal is “to manage pain without increasing medication,” then your PHB could cover physiotherapy or yoga sessions.
You’ll also need to use registered professionals who can report back on the impact of their interventions.
Ways People Use Their PHB
Here are just a few real examples of how individuals use their PHB—always tailored to their unique needs:
1. Personal Assistants (PAs)
A trained PA can support with day-to-day life: cooking, cleaning, personal care, or getting out and about.
2. Alternative Therapies
Massage, reflexology, and acupuncture may not be available through the NHS but can be beneficial for managing pain, stress, or fatigue.
3. Equipment and Aids
Mobility scooters, specialist furniture, or assistive tech (like speech devices) can make a huge difference in independence and safety.
4. Well-being Activities
Art classes, gardening, or gym sessions can be funded if they help reduce isolation or support mental well-being.
5. Respite and Short Breaks
Caring can be exhausting. PHBs can fund breaks that give both you and your caregivers a chance to rest and recharge.
6. Support for Education or Training
If your health condition involves delegated healthcare tasks, your PA may need training.
7. Transport Solutions
Some PHBs cover transport to essential appointments or social activities if travel is a barrier -though this varies by area.
What You Can’t Use It For
While PHBs are flexible, there are limits. You can’t use your budget for:
- Emergency or hospital care
- GP services or standard prescriptions
- Alcohol, gambling, debt repayments, or anything illegal
- Purchases unrelated to your care plan or assessed needs
Your spending will be audited—especially if you receive a Direct Payment—so keeping clear records is essential. Unused funds may be reclaimed by the NHS.
Top Tips for Spending Your PHB Effectively
✅ Keep receipts and track your spending
✅ Review your care plan regularly – it should evolve with your needs
✅ Connect with others using PHBs for ideas and support
✅ Ask your support planner if you’re unsure about a purchase
✅ Consider using a managed account to handle the financial side of your PHB
Your Health. Your Choices
A Personal Health Budget is more than funding – it’s freedom and flexibility to choose what truly helps you. Whether it’s therapy, equipment, a new skill, or simply support around the house, the right choices can help you thrive—not just survive.
If you’re ever unsure whether something fits your plan, check with your healthcare professional or budget coordinator. With the right support, your PHB can be one of the most powerful tools in your journey to living well.