Is it true that cosmetic surgery is an eligible medical expense for HSAs?

Cosmetic surgery is generally considered an ineligible medical expense for Health Savings Accounts (HSAs) because HSAs are intended to fund qualified medical expenses that are necessary for the diagnosis, cure, mitigation, treatment, or prevention of disease. Cosmetic procedures, which are typically performed to enhance appearance rather than for health reasons, do not meet this definition. While there are exceptions for procedures deemed medically necessary, such as reconstructive surgery following an accident or illness, the standard cosmetic surgeries aimed solely at improving aesthetics are not eligible for reimbursement through HSAs. Therefore, the understanding that cosmetic surgery is generally ineligible aligns with the criteria established for HSA-eligible expenses.