Is Hair Transplant HSA-Eligible? (2026)
Hair transplants are NOT HSA-eligible — the IRS considers them cosmetic procedures.
Typical Cost
$4,000–$15,000+
Details
Hair transplant surgery for male or female pattern baldness is considered a cosmetic procedure by the IRS and does not qualify. This applies to FUE (follicular unit extraction), FUT (follicular unit transplantation), and other hair restoration surgeries. The one narrow exception: if hair loss is caused by a disease (like alopecia due to an autoimmune condition) or disfigurement from an accident, reconstructive treatment could potentially qualify with documentation.
Requirements
Not eligible for cosmetic hair restoration. May qualify only if hair loss results from disease or injury.
Frequently Asked Questions
Is a hair transplant HSA-eligible?
No. The IRS treats hair transplants as cosmetic. Exception: hair restoration for disease-caused hair loss may qualify with documentation.
Related HSA Expenses
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