Not HSA-Eligible

Is Teeth Whitening HSA-Eligible? (2026)

Teeth whitening is NOT HSA-eligible — the IRS considers it a cosmetic procedure.

Typical Cost

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

Details

Professional teeth whitening, whitening strips, whitening trays, and bleaching kits are all ineligible. The IRS draws a clear line here: if it's cosmetic and doesn't treat a medical condition, it doesn't qualify. This applies to in-office whitening, at-home kits from your dentist, and OTC products like Crest Whitestrips.

Requirements

Not eligible. Teeth whitening is classified as cosmetic by the IRS.

Frequently Asked Questions

Is teeth whitening HSA-eligible?

Nope. The IRS considers all teeth whitening cosmetic, so it doesn't qualify — whether it's professional or OTC.

Are Crest Whitestrips HSA-eligible?

No. Whitening strips are cosmetic products and aren't eligible for HSA funds.

Related HSA Expenses

Dental Cleaning

$75–$200 per cleaning

Cosmetic Surgery

Varies widely — $2,000–$20,000+

Dental Veneers

$800–$2,500 per veneer

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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