dental implant financing
Dental implant financing is published product math, not an office promo. IRS Rev. Proc. 2025-19 lists 2026 HSA limits of $4,400 self-only and $8,750 family. CareCredit lists 6, 12, 18 or 24 months deferred interest, then a 32.99% purchase APR if the promo balance is not paid in full.
Last updated: August 25, 2026
Published financing products
| Product | Published figure | Source |
|---|---|---|
| 2026 HSA self-only | $4,400 | IRS Rev. Proc. 2025-19 |
| 2026 HSA family | $8,750 | IRS Rev. Proc. 2025-19 |
| 2026 health FSA contribution | $3,400 | Mercer / IRS Rev. Proc. 2025-32 |
| 2026 health FSA carryover | 680 | Mercer / IRS Rev. Proc. 2025-32 |
| CareCredit promo window | 6, 12, 18 or 24 months deferred interest | CareCredit Got It Guide |
| CareCredit purchase APR | 32.99% | CareCredit Got It Guide |
| Medical/dental AGI floor | 7.5% | IRS Publication 502 |
Related: dental implant insurance coverage, affordable dental implants in Austin Texas.
| Claim | URL | Listed |
|---|---|---|
| 2026 HSA self-only $4,400 | irs.gov/pub/irs-drop/rp-25-19.pdf | $4,400 |
| 2026 HSA family $8,750 | irs.gov/pub/irs-drop/rp-25-19.pdf | $8,750 |
| CareCredit purchase APR 32.99% | carecredit.com/got-it-guide/ | Purchase APR is 32.99% |
| CareCredit deferred-interest windows | carecredit.com/got-it-guide/ | 6, 12, 18 or 24 months deferred interest |
| 2026 health FSA contribution $3,400 | mercer.com/insights/law-and-policy/2026-health-fsa-other-health-and-fringe-benefit-limits-now-set/ | $3,400 |
| 2026 health FSA carryover 680 | mercer.com/insights/law-and-policy/2026-health-fsa-other-health-and-fringe-benefit-limits-now-set/ | 680 |
| Medical/dental AGI floor 7.5% | irs.gov/publications/p502 | more than 7.5% of your adjusted gross income (AGI) |
Frequently Asked Questions
What HSA limits apply to dental implant financing in 2026?
IRS Rev. Proc. 2025-19 lists $4,400 as the 2026 annual HSA deduction limit for self-only high-deductible coverage and $8,750 for family coverage. Those dollars can pay qualified implant fees if the account is eligible. An HSA is not a loan. Unused funds roll forward instead of expiring at year end.
How does CareCredit dental implant financing work after the promo?
CareCredit lists 6, 12, 18 or 24 months deferred interest promo financing. No interest is charged on the promotional purchase balance if you pay it off in full within that window. For new accounts as of 5/30/2024, the purchase APR is 32.99% if the promo balance is not paid off.
What FSA limit is listed next to dental implant financing?
Mercer, reporting IRS Rev. Proc. 2025-32, lists a 2026 health FSA maximum salary reduction of $3,400 and a maximum health FSA carryover of 680. FSA dollars are use-it-or-lose-it except for that published carryover when the plan allows it. Time surgery to the plan year.