Is Night Guard Replacement HSA-Eligible? (2026)
Replacement dental night guards for teeth grinding are HSA-eligible.
Typical Cost
$20–$40 (OTC); $300–$800 (custom replacement)
Details
Replacement night guards - both custom from your dentist and OTC - are qualified medical expenses. Night guards wear out over time and need periodic replacement. Whether you're replacing a $40 OTC guard or a $500 custom guard, the cost is eligible. Same rules as the original purchase: it's for treating bruxism or TMJ.
HSA Tax Savings
Replacement night guard at $300-$600 - HSA saves $66-$132 at 22% bracket
Read the complete guideFrequently Asked Questions
Is replacing my night guard HSA-eligible?
Yes. Replacement night guards are eligible just like the original purchase.
Can you reimburse night guard replacement years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
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