HSA-Eligible

Is Retainer (Dental) HSA-Eligible? (2026)

Dental retainers — fixed and removable — are HSA-eligible orthodontic expenses.

Typical Cost

$100–$500 per retainer

Details

Dental retainers prescribed after orthodontic treatment are qualified medical expenses. This includes Hawley retainers (wire and acrylic), clear plastic retainers (Essix/Vivera), permanent/bonded retainers, and replacement retainers. They're part of orthodontic treatment to maintain tooth alignment after braces or Invisalign.

Frequently Asked Questions

Are dental retainers HSA-eligible?

Yes. Retainers after braces or Invisalign are part of orthodontic treatment and are fully eligible.

Are replacement retainers HSA-eligible?

Yes. If you lose or break your retainer, the replacement cost is also eligible.

Related HSA Expenses

Braces & Orthodontics

$3,000–$8,000 (full treatment)

Invisalign

$3,000–$8,000 (full treatment)

Dental Cleaning

$75–$200 per cleaning

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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