HSA-Eligible

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 guide

Frequently 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.

Related HSA Expenses

Night Guard (Dental)

$20–$40 (OTC); $300–$800 (custom)

Dental Cleaning

$75–$200 per cleaning

Dental X-Rays

$25–$250 per set

More HSA Resources

What Is an HSA?

Complete guide to Health Savings Accounts and how they work

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

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HSA Glossary

Key terms and definitions for Health Savings Accounts

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