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Eligible Expenses/Surgery
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Procedures

Is Surgery HSA Eligible?

HSA Eligible

Medically necessary surgeries are HSA eligible, including surgeon, facility, and related medical fees.

IRS Reference

Medical and surgical services performed to treat or prevent disease are generally qualified medical expenses (IRS Publication 502).

Eligibility Conditions

✅ Qualifies

  • Surgeon fees
  • Facility fees
  • Medically necessary outpatient or inpatient surgery

❌ Does Not Qualify

  • Purely cosmetic surgery without a medical reason (typically not eligible)

Real-World Examples

✅ Eligible

  • Gallbladder removal
  • Tonsillectomy
  • Knee repair surgery

❌ Not Eligible

  • Elective cosmetic surgery without medical necessity

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Frequently Asked Questions

Are follow-up visits eligible?+
Yes. Post-op medical follow-ups are eligible.

Related HSA Expenses

Is Hospital Stays HSA Eligible?Is Anesthesia HSA Eligible?Is Prescription Medications HSA Eligible?

Related Resources

HSA Tax Savings CalculatorHSA Eligible Expenses GuideHSA vs FSA Comparison

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