Candor

Is Melatonin HSA-eligible?

Only with a Letter of Medical Necessity

Melatonin is a dietary supplement, so it's only eligible with an LMN for a diagnosed sleep condition.

IRS authority

IRS Pub. 502 (supplement rule); LMN pathway

How to get covered

  1. Qualifying conditionsdiagnosed insomnia, delayed sleep-phase disorder, or a circadian rhythm disorder such as shift-work sleep disorder
  2. What the letter must saythat melatonin at a stated dose treats your diagnosed sleep disorder
  3. How to askSleep complaints often get mentioned in passing — ask for the diagnosis to be entered in your chart first, then request a letter that references it.

How LMNs work — timing, renewal, and storing it with the receipt →

Category: OTC · Bucket B (Eligible with a Letter of Medical Necessity)

Related answers

Ibuprofen (Advil, Motrin)Acetaminophen (Tylenol)Allergy medicine (Zyrtec, Claritin, Allegra)Cold & flu medicine (DayQuil, Mucinex)Antacids & heartburn medicine (Tums, Pepcid)Nicotine gum, patches & lozenges
Got an LMN?

Log the receipt now so you have proof when you claim it back.

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Informational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-08-15, last verified July 2026.

All eligibility answers · Candor — the HSA shoebox