HSA-Eligible

Is Joint Replacement Surgery HSA-Eligible? (2026)

Hip, knee, shoulder, and other joint replacement surgeries are HSA-eligible.

Typical Cost

$15,000–$50,000+ (total; varies by insurance coverage)

Details

Joint replacement surgery is a qualified medical expense. This covers hip replacement, knee replacement, shoulder replacement, and other joint replacements. All associated costs are eligible: surgeon fees, hospital stay, anesthesia, implant costs, physical therapy, and post-surgical follow-up visits. Revision surgery (replacing a worn-out implant) is also eligible.

Frequently Asked Questions

Is knee replacement HSA-eligible?

Yes. Knee replacement surgery and all associated costs — surgeon, hospital, implant, rehab — are eligible.

Is hip replacement HSA-eligible?

Yes. Hip replacement and all related medical expenses are qualified HSA expenses.

Related HSA Expenses

Surgery

Varies widely — $1,000–$50,000+

Physical Therapy

$50–$350 per session

Hospital Stays

$2,000–$10,000+ per day

More HSA Resources

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

Track this expense in HSA Tracker

Snap a photo of your receipt and let AI categorize it. Never lose track of an HSA-eligible expense again.

Get Started Free