Not HSA-Eligible

Is Cosmetic Dentistry HSA-Eligible? (2026)

Purely cosmetic dental procedures — bonding for appearance, gum contouring, smile makeovers — are NOT HSA-eligible.

Typical Cost

$300–$5,000+ depending on procedure

Details

Dental procedures done purely for cosmetic reasons don't qualify. This includes cosmetic bonding, gum contouring (gum reshaping), smile makeovers, tooth-colored fillings to replace metal fillings for appearance only, and cosmetic orthodontics. If the same procedure is done for a medical or functional reason (like bonding to repair a chipped tooth), it IS eligible. The purpose determines eligibility.

Requirements

Not eligible when purely cosmetic. Restorative procedures that also happen to improve appearance ARE eligible.

Frequently Asked Questions

Is cosmetic dental bonding HSA-eligible?

No, if it's purely cosmetic. Bonding to repair a damaged tooth is eligible because it's restorative.

Is gum contouring HSA-eligible?

Not for cosmetic purposes. If it treats gum disease or a medical condition, it may qualify.

Related HSA Expenses

Dental Veneers

$800–$2,500 per veneer

Teeth Whitening

$20–$50 (OTC); $300–$1,000 (professional)

Dental Crowns

$800–$1,700 per crown

More HSA Resources

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