How to Use Your HSA or FSA for Braces in Dallas

woman getting her monthly check-in

If you’re thinking about braces or Invisalign®, you may already have money set aside that can help pay for treatment — tax-free. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are powerful tools that many families don’t fully take advantage of.

At Gupta Smile Studio – Orthodontics in Oak Cliff, Dallas, we help patients use their HSA or FSA every day to make orthodontic care more affordable. Here’s how it works.

💳 What Is an HSA or FSA?

Health Savings Account (HSA)

An HSA is available to individuals with a high-deductible health plan. The money you contribute:

• Is pre-tax

• Rolls over year to year

• Belongs to you (even if you change jobs)

Flexible Spending Account (FSA)

An FSA is offered through many employers. It allows you to:

• Set aside pre-tax dollars

• Use the funds within the plan year (or grace period, if offered)

• Reduce your taxable income

Both accounts can be used for qualified orthodontic expenses, including braces and Invisalign.

🦷 Can You Use HSA or FSA for Braces or Invisalign?

Yes! The IRS considers orthodontic treatment a qualified medical expense.

You can use HSA or FSA funds for:

• Braces (metal or clear)

• Invisalign® and Invisalign Teen®

• Retainers

• Orthodontic adjustments and follow-up visits

This applies to both children and adults.

💰 How Much Can You Save Using HSA or FSA?

Because HSA and FSA funds are pre-tax, you can save 20–30% depending on your tax bracket.

For example: If braces cost $5,000 and you’re in a 25% tax bracket, using HSA/FSA funds could save you $1,250.

That’s real money back in your pocket.

🧾 How to Use Your HSA or FSA at Gupta Smile Studio

Using your HSA or FSA with us is simple:

1. Schedule your free orthodontic consultation

2. Receive a clear, upfront cost breakdown

3. Pay using your HSA/FSA card or submit receipts for reimbursement

4. Combine HSA/FSA funds with monthly payment plans if needed

Our team will guide you through the process so nothing feels confusing or stressful.

⏳ Can You Use HSA/FSA with Monthly Payment Plans?

Yes! Many patients use their HSA or FSA for:

• The down payment

• Monthly payments

• Retainers at the end of treatment

This allows you to spread out costs while still maximizing your tax savings.

🏙️ Why Dallas Families Use HSA/FSA at Gupta Smile Studio

• Ivy League–trained, board-certified orthodontist (Dr. Vick Gupta)

• Transparent pricing and flexible financing

• Experience helping families maximize insurance, HSA, and FSA benefits

• Convenient Oak Cliff location near Bishop Arts and Methodist Hospital

• Friendly, family-owned practice that puts patients first

📅 Schedule a Free Consultation

If you have an HSA or FSA and are considering braces or Invisalign, now is a great time to use those funds wisely.

📍 Gupta Smile Studio – Orthodontics Located on Bishop Avenue across from Methodist Hospital, next to Jimmy John’s

📞 Call today or schedule your free consultation online to learn how to use your HSA or FSA for orthodontic treatment in Dallas.