It’s hard to believe we’re already halfway through the year! As we look toward the second half of 2025, it’s a great time to review your Health Savings Account (HSA) or Flexible Spending Account (FSA) and make sure you’re getting the most out of your dental benefits.
HSAs and FSAs are tax-advantaged accounts that allow you to set aside money specifically for healthcare expenses, including many dental procedures. By using these accounts, you can reduce your taxable income and save significantly on out-of-pocket costs for your oral care.
How HSAs and FSAs Help with Dental Costs
Many people don’t realize how effective these accounts can be in covering dental care. Whether you’re planning a cleaning, filling, crown, or night guard, using HSA or FSA funds means you’re paying with pre-tax dollars. In 2025, contribution limits have increased, giving you more flexibility and more savings when it comes to maintaining your oral health.
Updated 2025 Contribution Limits
For 2025, HSA contribution limits are now $4,150 for individuals and $8,300 for families. FSAs allow contributions of up to $3,200. Using pre-tax funds can make a big difference. For example, a $300 dental procedure may effectively cost you closer to $225 when paid through one of these accounts, depending on your tax bracket. That’s money back in your pocket for the care you were already planning to get.
Key Differences: HSA vs. FSA
The main distinction between the two is flexibility. HSA funds roll over each year and can even earn interest, making them perfect for both current and future dental needs. FSAs, on the other hand, often follow a “use-it-or-lose-it” rule, so be sure to use your balance before the year ends or before your employer’s grace period ends. Most preventive and restorative dental treatments qualify, though cosmetic procedures such as whitening usually do not.
Plan Now—Your Smile Will Thank You
If you’re thinking about treatment before the end of the year, now is the time to plan. Especially for patients with FSAs, it’s important to use your remaining funds before they expire. Even if you’re looking ahead to procedures in early 2026, contributing to your HSA now can help reduce next year’s costs as well.
Our team is here to help you make the most of these benefits. Whether you’re prioritizing treatments this year or planning ahead, we’ll work with you to ensure your dental care aligns with your financial goals. Give us a call at 312.943.6444 to schedule an appointment or ask about using your HSA or FSA for upcoming procedures.
Regards,
Ramy Bahu, DDS
