HSA-Eligible

Is Breast Reconstruction HSA-Eligible? (2026)

Breast reconstruction surgery after mastectomy is HSA-eligible.

Typical Cost

$5,000–$50,000+ (often covered by insurance under the Women's Health and Cancer Rights Act)

Details

Breast reconstruction following a mastectomy is a qualified medical expense. The IRS considers this reconstructive (not cosmetic) surgery because it corrects a deformity resulting from disease. This includes implant-based reconstruction, flap reconstruction, nipple reconstruction, and revision surgeries. Prosthetic breast forms (mastectomy bras and inserts) are also eligible.

Frequently Asked Questions

Is breast reconstruction HSA-eligible?

Yes. Reconstruction after mastectomy is considered reconstructive surgery and is fully HSA-eligible.

Are prosthetic breast forms HSA-eligible?

Yes. External breast prostheses, mastectomy bras, and inserts are qualified medical expenses.

Related HSA Expenses

Surgery

Varies widely — $1,000–$50,000+

Cosmetic Surgery

Varies widely — $2,000–$20,000+

Prosthetics & Artificial Limbs

$5,000–$100,000+ depending on type and technology

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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All Eligible Expenses

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