HSA-Eligible

Is Surgery HSA-Eligible? (2026)

Medically necessary surgeries are HSA-eligible expenses.

Typical Cost

Varies widely — $1,000–$50,000+

Details

Surgeon fees, facility fees, anesthesia, and all related costs for medically necessary surgeries are HSA-eligible. This includes both inpatient and outpatient surgeries. Elective cosmetic surgery is NOT eligible unless it corrects a deformity from disease, accident, or congenital abnormality.

Requirements

Must be medically necessary. Elective cosmetic surgery is generally not eligible.

Frequently Asked Questions

Is surgery HSA-eligible?

Yes. Medically necessary surgeries and all associated costs (surgeon, anesthesia, facility) are eligible.

Is cosmetic surgery HSA-eligible?

Only if it corrects a deformity from an accident, disease, or congenital condition. Elective cosmetic surgery is not eligible.

Related HSA Expenses

Hospital Stays

$2,000–$10,000+ per day

Anesthesia

$500–$3,500 per procedure

Physical Therapy

$50–$350 per session

More HSA Resources

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

Track this expense in HSA Tracker

Snap a photo of your receipt and let AI categorize it. Never lose track of an HSA-eligible expense again.

Get Started Free