Conditionally Eligible

Is Lead Paint Removal HSA-Eligible? (2026)

Lead paint removal can be HSA-eligible if done to prevent a child from lead poisoning.

Typical Cost

$2,000–$10,000+ depending on scope

Details

The IRS allows lead-based paint removal as a medical expense when it's done to prevent lead poisoning in a child who has elevated blood lead levels or is at risk. This is explicitly mentioned in IRS Publication 502. The cost of removing lead paint from surfaces your child can access qualifies. General home renovation that happens to include lead paint removal for non-medical reasons does not qualify.

Requirements

Must be done for medical reasons — specifically to prevent lead poisoning in a child. Documentation of elevated blood lead levels or medical recommendation is needed.

Frequently Asked Questions

Is lead paint removal HSA-eligible?

Yes, when done to prevent lead poisoning in a child with elevated blood lead levels. IRS Pub 502 explicitly covers this.

Does general lead remediation qualify?

Only when medically motivated. If you're removing lead paint as part of a general renovation, that doesn't qualify.

Related HSA Expenses

Doctor Visits

$20–$300 per visit (varies by type and insurance)

Blood Work & Lab Tests

$50–$500+ depending on tests

Specialist Visits

$50–$500 per visit

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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