Yes, you can use a health savings account (HSA) or flexible spending account (FSA) for dental expenses. But before you start saving this tax-free money, there are some rules you should know.

Let’s explore the differences between HSA and FSA, what dental expenses they cover and more.

What are the differences between HSAs and FSAs?

One thing they do have in common is they both let you save tax-free money for eligible medical costs. However, that’s about it. Here are some key differences between HSAs and FSAs:1

HSA FSA Eligibility

You must have a qualified high-deductible health plan (HDHP). Self-employed people can contribute.

All employees are eligible whether they have insurance or not. Self-employed people can’t contribute.

2024 Contribution Limit

$4,150 Individual Coverage $8,300 Family Coverage


Contribution Source

Employer and/or employee

Employer and/or employee

Account Owner




Unused contributions can be rolled over to the next year.

Unused contributions are lost at end of the year.


Allowed, but includes tax withheld plus 20% penalty.

Not allowed.


Interest earned is tax-free.

Does not earn interest.


You must keep the account even if you change jobs.

The account is forfeited if you change jobs.


You can only access what you’ve contributed to the account.

You have access to the full annual election amount, whether the account has been fully funded or not.

Contribution Amendment

You can change contribution amounts during the year.

You can’t change contribution amounts during the year.

What dental expenses are covered by HSA and FSA?

From routine cleanings to oral surgery, all medically necessary expenses can be covered. Some examples include:

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Will an HSA or FSA cover dental braces?

Yes, as long as a dentist or orthodontist has recommended treatment. You can pay for routine appointments or cover deductibles, copays or coinsurance that isn’t covered by your dental insurance or other plan. If the dental braces are only for cosmetic reasons and not recommended by a dentist orthodontist, an HSA or FSA likely won’t cover them.

Can I use an HSA or FSA for a dental implant?

Yes, if it’s used to treat a dental disease or any other medical purpose. For example, dental implants can replace missing teeth from an accident and help prevent bone loss due to lack of teeth. If the dental implant is for cosmetic reasons, an HSA or FSA likely won’t cover it.

Can I use an HSA or FSA for a dental crown?

Yes, if it’s used for medical reasons. Examples include preventing dental disease, restoring the function of your teeth or reducing pain and discomfort. Like dental braces and dental implants, a dental crown won’t be covered if it’s for cosmetic reasons only.

Start saving now, smile more later

The tax benefits from HSAs and FSAs can help lower your overall costs for eligible dental procedures and products. To learn more about dental insurance, browse our dental articles today.

Frequently asked questions

Yes. You can use an FSA or HSA for yourself, your spouse and your dependents.

Yes. However, the treatment must be considered medically necessary by a dentist or orthodontist.

No. Over-the-counter dental products are not eligible.

Yes. In 2024, the HSA contribution limits are $4,150 for individual coverage and $8,300 family coverage. The 2024 contribution limit for an FSA is $3,200.

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  1. Health Savings Account vs. Flexible Spending Account: What’s the difference?”, Investopedia, last accessed Feb. 6, 2024.