Nancy, ns am in sales, so maintaining up my appearance is necessary to job success. Since I turn 50, I’ve started seeing one esthetician and am getting botox injections because that deep wrinkles and dedicated skin treatment procedures. My skin looks fantastic. Human being tell me i look 10 years younger.

Since these are clinical procedures, can I use my HSA to pay because that them?

The quick answer is no. Health Savings Accounts have some pretty impressive tax benefits, therefore the I.R.S. Has actually strict guidelines around HSA funds being provided for “medically necessary,” fairly than cosmetic, procedures.

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Let’s talk around the tax benefits first. There are three feasible tax breaks!

A tax break top top the front end—your donation to your HSA is pre-tax, due to the fact that it comes the end of your paycheck prior to your earnings is taxed. taxes deferral together it grows—your balance grows taxation deferred, so over there is no 1099 authorize for interest earned each year. Tax complimentary when you take it out—your distributions deserve to be withdrawn tax free for qualified clinical expenses.

So what exactly constitutes a qualified medical expense? Think “medically necessary” and also “prescribed by her physician.”

I.R.S. Publication 502 gives a long list of examples, consisting of acupuncture, chiropractic care, call lenses, eye exams and medically crucial weight-loss programs.

The I.R.S. Specifically mentions cosmetics surgery, consisting of facelifts and also liposuction, as “not includible.” While castle don’t contact out botox specifically, that implied that this procedure is lumped in. The course, if cosmetic surgical treatment is needed as result of a traumatic accident or a disease, the HSA have the right to be supplied (and give thanks to goodness for that!).

The lengthy answer is the there might be exception to this rule. For example, botox can be an reliable treatment because that migraine headaches. This could fall right into the “prescribed by your physician” category. If the were the case, you could use HSA accumulation to sheathe it.

One of mine friends (who ns won’t name here) is trying come beat the mechanism by gaining botox treatments from she dentist and using her health and wellness Savings Account to pay for it. She numbers she i will not ~ get caught by the I.R.S. For unauthorized charges because dental care is a standard expense. She’s using the dentist’s office as a trojan steed to slip in she botox therapy payments as qualified.

Although we can give her props because that creativity, this move won’t stand up to an I.R.S. Audit. She’d be topic to counting on the distribution and also a 20% punish on top of that.

My advice is come skip the HSA for your cosmetic procedures and simply pay because that them out of pocket. If these therapies make you look and also feel fantastic, do them part of your an individual care budget.

Set increase a separate savings account and call it “My Fabulous Account.” usage it to save up because that special ways to take great care of yourself. Then you’ll have actually funds easily accessible for every little thing your heart desires, which may include procedures prefer facials or massages and also a nutritional coach, an individual training or a yoga retreat.

Taking care of yourself inside and out deserve to be expensive. If you have money collection aside particularly for the purpose, you might be much more inclined to execute it.

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I write about living well while transitioning come retirement, functioning in retirement and personal finance. We have the right to have it all – a lucrative career and fulfilling personal life while planning because that retirement. Mine life shows this philosophy. Ns didn’t wait till retirement to relocate to Park City, Utah wherein I gain the “greatest snow on earth.” The advice noted is not personalized investment advice, might not be perfect for your individual situation, are not guarantees of future performance and also may differ materially native actual occasions that occur.Please keep in mind - Nancy Anderson is a regional Financial Planner with key Private Bank. The views expressed through Nancy room her personal opinions and also not those of an essential Private Bank. Vital Private bank shall not be responsible for any kind of claims or accident of any nature, including, yet not minimal to, lost profits, punitive or consequential damages.