Dental expenses you can pay for using an HSA
(NewsNation) — Savings accounts like HSAs allow users to pay for 'qualifying medical expenses,' according to Internal Revenue Service guidelines, with pre-tax dollars.
Health savings accounts are for those with high-deductible health plans and can be used to pay for some out-of-pocket medical and dental expenses.
What kind of dental expenses can you pay for with an HSA?
Teeth cleanings
Flouride treatments
Braces
Fillings
Dental X-rays
Extractions
Dentures
Dental bridges and implants
Over-the-counter medications
What is the difference between an FSA and an HSA?
These fall under preventive and alleviating services, which are qualified expenses. Websites like HSAStore.com have a full list of HSA-eligible products and services.
What kind of expenses can you not pay for using an HSA?
Teeth whitening
Floss
Veneers (unless medically necessary, with a letter from a doctor)
Teeth whitening is not included, according to the IRS, as it is categorized as cosmetic surgery. The IRS defines cosmetic surgery as 'any procedure that is directed at improving the patient's appearance and doesn't meaningfully promote the proper function of the body or prevent or treat illness or disease.'
HSAs can be used to pay for artificial teeth, but this is considered a medical expense instead of dental.
Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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