Not HSA-Eligible

Is Dental Veneers HSA-Eligible? (2026)

Dental veneers are NOT HSA-eligible — the IRS treats them as cosmetic.

Typical Cost

$800–$2,500 per veneer

Details

Porcelain and composite veneers placed for cosmetic reasons (straight, white teeth) are not qualified medical expenses. The IRS considers veneers a cosmetic procedure similar to teeth whitening. However, if a dentist places a veneer to restore a damaged or decayed tooth — functioning more like a crown — that could potentially qualify. You'd need documentation showing it's restorative, not cosmetic.

Requirements

Generally ineligible. May qualify only if used to restore a damaged tooth (not cosmetic improvement).

Frequently Asked Questions

Are dental veneers HSA-eligible?

Generally no. Veneers for cosmetic purposes don't qualify. If it's restorative (repairing damage), you may have a case — get documentation from your dentist.

What's the difference between a veneer and a crown for HSA purposes?

Crowns restore damaged teeth and are eligible. Veneers are typically cosmetic and aren't. The purpose determines eligibility.

Related HSA Expenses

Dental Crowns

$800–$1,700 per crown

Teeth Whitening

$20–$50 (OTC); $300–$1,000 (professional)

Cosmetic Surgery

Varies widely — $2,000–$20,000+

More HSA Resources

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