How to Use Your HSA to Pay for Invisalign in Canada

By Frontier Team•February 3, 2026•4 min read

Invisalign treatment in Canada typically costs between $3,000 and $8,000. That's a big expense — but if you have a Health Spending Account (HSA), you can cover the entire cost tax-free through your corporation. No insurance pre-approvals, no waiting periods, and no percentage limits.

Here's exactly how it works.

Is Invisalign HSA Eligible in Canada?

Yes. Invisalign and other clear aligners (like ClearCorrect or SmileDirectClub) are orthodontic treatments, which the CRA classifies as eligible medical expenses. No prescription or referral is required — you just need treatment from a licensed dentist or orthodontist.

This means the full cost of your Invisalign treatment can be reimbursed through your HSA, completely tax-free.

What Invisalign Costs Are Covered?

Your HSA covers every part of the Invisalign treatment process:

  • Initial consultation and imaging — X-rays, 3D scans, and treatment planning
  • Custom aligner trays — The full set of Invisalign aligners
  • Follow-up appointments — Adjustments, progress checks, and refinements
  • Retainers — Post-treatment retainers to maintain your results
  • Additional dental work — Attachments, IPR (interproximal reduction), or any dental work required as part of your orthodontic treatment

There are no co-pays, deductibles, or percentage limits. You can claim up to your full annual HSA limit.

How to Claim Invisalign on Your HSA

Step 1: Pay for Your Treatment

Like most HSA claims, you pay for Invisalign out-of-pocket first. Many dental offices offer payment plans — and the good news is you can submit claims as you make each payment rather than waiting until treatment is complete.

Step 2: Keep Your Receipts

Your receipt needs to include:

  • Patient name (especially important if claiming for a spouse or child)
  • Dentist or orthodontist name and clinic details
  • Description of services (e.g., orthodontic treatment, clear aligners)
  • Date of service
  • Amount paid

Step 3: Submit Your Claim

Upload your receipt through the Frontier HSA app. Reimbursement hits your account within 2-3 business days via e-transfer.

Using Your HSA for Your Child's Invisalign

If you own an incorporated business, your HSA can cover orthodontic treatment for your dependents — including your children. The process is exactly the same: pay, keep the receipt with the patient's name on it, and submit through the app.

This is one of the biggest advantages of an HSA over a personal tax deduction. Instead of claiming the Medical Expense Tax Credit (METC) on your personal return — which only gives partial relief — your corporation pays for the expense and deducts it fully. Your family member receives the benefit tax-free.

How Much Can You Save?

Here's a real example. Say your Invisalign treatment costs $5,500:

Without an HSA: You pay $5,500 from after-tax personal income. Even if you claim the METC, you only get a small portion back.

With an HSA: Your corporation pays $5,500 and deducts it as a business expense. You receive $5,500 in tax-free reimbursement. No personal tax hit. Depending on your tax bracket, that's roughly $2,000-$3,000 in total tax savings compared to paying out of pocket.

What About Traditional Insurance?

If you also have traditional dental insurance that covers a portion of Invisalign, you can submit the remaining balance to your HSA. The two work together — insurance covers its share, and your HSA picks up the rest, all tax-free.

Do You Need an HSA?

If you don't have an HSA set up yet, Frontier can get you started quickly. Our plans are CRA-compliant, and there are no setup fees. You can begin claiming eligible expenses right away.

Get started at frontierhsa.ca.

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