Can you use a HSA for dental fillings?

Discover how to maximize your health savings account (HSA) for dental fillings in 2024.

In recent years, health saving accounts (HSAs) have gained popularity as a way to save for medical expenses. These tax-advantaged accounts allow individuals to set aside funds for qualified medical expenses. But what about dental fillings? Can you use a HSA to cover the cost of dental fillings? In this article, we will explore the ins and outs of using a HSA for dental fillings and provide you with updated information for the year 2024.

Can you use HSA for dental fillings?

Yes, you can use a HSA for dental fillings. As long as the dental filling is considered a qualified medical expense, you can use your HSA funds to cover the cost. Dental fillings are typically classified as preventive or basic dental care, which are eligible for HSA reimbursement. This means that you can use your HSA funds to pay for dental fillings without incurring any tax penalties or fees.

When it comes to maintaining good oral health, dental fillings play a crucial role. They are used to restore teeth that have been damaged by decay or cavities. Dental fillings not only help to prevent further decay and tooth loss but also restore the functionality and aesthetics of the affected tooth.

There are different types of dental fillings available, including amalgam (silver) fillings, composite (tooth-colored) fillings, gold fillings, and ceramic fillings. The choice of filling material depends on various factors such as the location and extent of the decay, the patient's preference, and the dentist's recommendation.

Amalgam fillings have been used for many years and are known for their durability. They are made of a mixture of metals, including silver, tin, copper, and mercury. Despite concerns about the mercury content, amalgam fillings are considered safe and effective for most patients.

Composite fillings, on the other hand, are made of a mixture of plastic and glass materials. They are tooth-colored and blend in seamlessly with the natural teeth, making them a popular choice for patients who want a more aesthetically pleasing option. Composite fillings are also versatile and can be used for both front and back teeth.

Gold fillings, although less common nowadays, are known for their longevity and strength. They are made of a gold alloy and are highly resistant to wear and tear. Gold fillings are often recommended for patients who have a heavy bite or grind their teeth.

Ceramic fillings, also known as porcelain fillings, are made of a tooth-colored ceramic material. They are highly aesthetic and provide excellent durability. Ceramic fillings are often used for front teeth and are a popular choice for patients who want a natural-looking restoration.

It's important to note that the cost of dental fillings can vary depending on factors such as the type of filling material used, the complexity of the procedure, and the dentist's location. However, with an HSA, you can use your pre-tax dollars to cover the expenses, making dental fillings more affordable and accessible.

In addition to dental fillings, HSA funds can be used for a wide range of dental expenses, including routine check-ups, cleanings, X-rays, extractions, root canals, and orthodontic treatments. Having an HSA can provide peace of mind when it comes to dental care expenses, allowing you to prioritize your oral health without breaking the bank.

Remember, it's always a good idea to consult with your dentist and HSA provider to ensure that dental fillings are considered a qualified medical expense and to understand any specific guidelines or documentation requirements for reimbursement. By utilizing your HSA funds for dental fillings, you can take proactive steps towards maintaining a healthy smile while maximizing the benefits of your HSA.

Can you use a health saving account (HSA) for dental fillings?

Absolutely! HSAs are designed to provide individuals with more control over their healthcare spending. These accounts are usually paired with high-deductible health insurance plans. Since dental fillings fall under the category of medical expenses, using your HSA to pay for them is a smart financial move. By doing so, you can maximize the benefits of your HSA and save money in the long run.

What are the benefits of using a HSA for dental fillings?

Using a HSA for dental fillings offers several advantages. Firstly, HSAs offer a triple-tax advantage. Contributions to your HSA are tax-deductible, earnings within the account grow tax-free, and withdrawals used for qualified medical expenses are tax-free as well. This means that by using your HSA to cover the cost of dental fillings, you can save on both income taxes and dental expenses.

Secondly, HSAs allow for flexible spending. Unlike flexible spending accounts (FSAs), HSAs have no "use it or lose it" rule. Any unused funds in your HSA rollover to the next year, allowing you to build up a significant amount of savings over time. This flexibility is especially beneficial when planning for unexpected dental fillings or emergencies.

Lastly, using a HSA for dental fillings gives you greater control over your healthcare decisions. You can choose your dentist and treatment options without any restrictions imposed by insurance networks. This flexibility allows you to prioritize your oral health and choose the best dental care for your needs.

What are the downsides of using a HSA for dental fillings?

While using a HSA for dental fillings has its benefits, it's important to consider the potential downsides as well. One downside is that not all dental fillings may be considered eligible expenses. Cosmetic dental fillings, for example, are typically not covered by HSAs as they are deemed to be for aesthetic purposes only.

Another factor to consider is the funding limitations of HSAs. Each year, there are contribution limits imposed by the IRS. For 2024, the annual contribution limit is $3,750 for individuals and $7,500 for families. If your dental fillings exceed this amount, you will need to find alternative payment options or cover the remaining costs out of pocket.

HSA vs FSA for dental fillings

When it comes to dental fillings, choosing between a HSA and a flexible spending account (FSA) can be a tough decision. FSAs are another type of tax-advantaged account that can be used to pay for qualified medical expenses, including dental fillings. However, FSAs have a "use it or lose it" rule, meaning that any unused funds at the end of the year are forfeited.

On the other hand, HSAs offer greater flexibility and potential for long-term savings. As mentioned earlier, HSAs have no "use it or lose it" rule, allowing you to accumulate funds over time. Additionally, HSA funds can be invested in various investment options, potentially growing your savings even further.

Ultimately, the choice between a HSA and FSA for dental fillings will depend on your individual financial situation and healthcare needs. It is important to weigh the benefits and drawbacks of each account type and choose the one that aligns with your goals and priorities.

Where can you find more information about HSA eligibility for dental fillings?

If you are looking for more information about HSA eligibility for dental fillings, there are several resources you can consult. First and foremost, it is recommended to review the official guidelines provided by the IRS. These guidelines outline the eligible expenses and contribution limits for HSAs.

Additionally, consulting with your healthcare provider or insurance provider can provide you with specific information regarding the coverage of dental fillings under your HSA. They can answer any questions you may have and guide you through the process of using your HSA for dental fillings.

Furthermore, reputable financial websites and healthcare blogs often provide valuable insights and updates on HSA eligibility for various medical expenses, including dental fillings. These online resources can equip you with the knowledge and understanding necessary to make informed decisions about your HSA and dental care.


Using a HSA for dental fillings is not only possible but can also be a smart financial move. By taking advantage of the tax benefits and flexibility offered by HSAs, you can save money on dental expenses and have greater control over your healthcare decisions.

However, it's important to familiarize yourself with the eligibility criteria and funding limitations of HSAs to make the most of this healthcare savings tool. As always, consulting with professionals and researching reliable sources of information will ensure that you have the most up-to-date insights regarding HSA eligibility for dental fillings.

So, if you are considering dental fillings in 2024, don't forget to explore the potential of your HSA. It could be the key to a healthier smile and a healthier financial future.

What do you do if you're unsure?

If you’re unsure, it’s best to consult your HSA provider or a tax professional to confirm expense eligibility. 

What are HSA benefits for employers?

If you’re an employer, there are multiple benefits to offering HSA to your employees, including:

  • Attracting and retaining talent
  • It’s a cost-effective healthcare option
  • Enhances employee satisfaction and productivity
  • Increases the utilization of employee benefits
  • Has tax advantages for both you and your employees

Want to learn more? Check out our blog on what is an HSA

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Looking to offer an HSA as part of your employee benefits package? At Forma, we provide Pre-tax Accounts - including HSAs - to companies worldwide. 

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