Is Root Canal HSA-Eligible? (2026)
Root canal therapy is an HSA-eligible dental expense.
Typical Cost
$700–$1,500 (plus crown)
Details
Root canal treatment (endodontic therapy) to save an infected or damaged tooth is a qualified medical expense. The cost includes the procedure, any necessary X-rays, local anesthesia, and the follow-up crown that's typically needed after a root canal.
HSA Tax Savings
Root canal plus crown runs $1,500-$3,500 - HSA saves $330-$770 at 22% bracket
Read the complete guideFrequently Asked Questions
Is a root canal HSA-eligible?
Yes. Root canal therapy and the associated crown are both HSA-eligible.
Can you reimburse root canal years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
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