Is Dental Fillings HSA-Eligible? (2026)
Dental fillings for cavities are HSA-eligible expenses.
Typical Cost
$100–$400 per filling
Details
All types of dental fillings - composite (tooth-colored), amalgam (silver), gold, and ceramic - are qualified expenses when used to repair cavities or damaged teeth. This includes the cost of the filling material and the dentist's procedure fee.
Decision record and source basis
This page applies federal HSA qualified-medical-expense rules using IRS Publications 969 and 502. A product or retailer label does not override the expense purpose, eligibility conditions, or documentation requirement shown above.
HSA Tax Savings
Fillings average $200-$600 per tooth - HSA saves $44-$132 at 22% bracket
Read the complete guideFrequently Asked Questions
Are dental fillings HSA-eligible?
Yes. All types of cavity fillings are eligible HSA expenses.
Can you reimburse dental fillings years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
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