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.
Can you reimburse joint replacement surgery years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
Related HSA Expenses
More HSA Resources
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