Consumers favor using healthcare savings for everyday oral care

WASHINGTON – More than eight in 10 Americans with health savings accounts (HSAs) or flexible spending accounts (FSAs) would use those funds to buy everyday oral care products if eligible, according to a new Consumer Healthcare Products Association (CHPA) survey.

The survey found that 83% of HSA and FSA account holders would use their funds to purchase toothpaste, toothbrushes, dental floss, and mouthwash. Interest was particularly strong among families with children under 18 (91%) and among account holders ages 18 to 49 (89%).

The findings also underscore widespread awareness of the link between oral health and overall wellness. Nearly nine in 10 respondents (88%) recognized that oral health can affect overall health, and 91% agreed that maintaining healthy teeth and gums can help prevent chronic and costly health problems.

“Oral health is whole-body health, and Americans clearly understand the importance of caring for their teeth and gums as part of a healthy lifestyle,” said Scott Melville, president and CEO of CHPA. “Our survey shows consumers want more flexibility to use the healthcare dollars they’ve already set aside on the products they rely on every day to support good oral health.”

Affordability remains a concern. The survey found that 14% of consumers purchased oral care products less frequently over the past year, and another 14% switched to lower-cost brands. Additionally, 11% reduced their use of certain products, and 9% delayed replacing them.

Under current law, HSA and FSA funds can cover many self-care expenses, including over-the-counter medicines, but everyday oral care essentials are generally ineligible. The bipartisan Oral Health Products Inclusion Act (H.R. 1219) would expand eligibility to include certain preventive oral care products.

The American Dental Association has endorsed the proposed legislation, arguing that broader coverage could improve access to preventive care and reduce long-term healthcare costs.

The nationwide survey was conducted August 14-17, 2026, among 1,200 U.S. adults ages 21 and older, including 1,000 registered voters.

The complete survey findings are available on the CHPA website.