Can I Use My HSA for Dental and Vision?
Yes. Many dental and vision expenses are qualified medical expenses, including cleanings, fillings, eye exams, glasses, and contacts. Cosmetic procedures generally aren't. Here's a quick list.
Quick answer
Yes, in most cases. Qualified medical expenses for HSA purposes include many dental and vision costs, such as cleanings, fillings, braces, eye exams, prescription glasses, and contact lenses. Cosmetic procedures, such as teeth whitening, generally don't qualify.
Common examples
| Expense | Generally qualified? |
|---|---|
| Dental cleanings and exams | Yes |
| Fillings, crowns, root canals | Yes |
| Orthodontics such as braces | Yes, when for medical purposes |
| Teeth whitening | No (cosmetic) |
| Eye exams | Yes |
| Prescription glasses and contacts | Yes |
| Contact solution | Yes |
| Non-prescription sunglasses | No |
| Vision correction surgery | Generally yes |
IRS rules define qualified medical expenses; check current guidance for edge cases.
Why it matters
Dental and vision costs often aren't covered by medical insurance, so paying them from an HSA with pre-tax dollars is an efficient use of the account. See HSA-eligible plans: the math.
Keep records
Save receipts. If you're ever asked to show an HSA withdrawal was for a qualified expense, the receipt is your proof.
The takeaway
Most medically necessary dental and vision care is a qualified HSA expense. Cosmetic work generally isn't.
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