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Can you pay for tattoo removal with an HSA?

Are you wondering if you can pay for tattoo removal with an HSA? You may also be wondering if this item is eligible or ineligible for use with your HSA funds, or if it qualifies for reimbursement.

No, unfortunately you can't use your HSA to pay for tattoo removal. In fact, if you do pay for tattoo removal with you HSA, you may be subject to a penalty.

More details about tattoo removal

Tattoo removal is the process of removing an unwanted tattoo, usually by laser, but it can also be done by surgical removal or dermabrasion.

During laser removal, a laser is applied to the tattoo, and the intense light breaks up the ink under the skin. During surgical removal, the tattoo is cut out of the skin with a scalpel and sewn back together. During dermabrasion, the tattoo is essentially sanded off the skin, but it's not a popular choice. All methods of removal may leave scarring and traces of the original tattoo.

Because this is considered an optional, cosmetic procedure, it is not covered by your HSA.


Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for tattoo removal with your HSA card before making any purchases.

A good rule of thumb is that if your doctor diagnosed you with a specific medical condition or ordered a treatment, product, or prescription specifically for you, your HSA should cover it. Sometimes your HSA will even cover items that it normally wouldn't if you have a letter of medical necessity signed by your doctor. Again, you should check with your HSA administrator before any purchase if you have any questions about an item being eligible or ineligible.