Candor

Is Vitamins & supplements (general) HSA-eligible?

Only with a Letter of Medical Necessity

General-health supplements are NOT eligible. A supplement recommended by a provider to treat a specific diagnosed condition (e.g., iron for anemia) can qualify with an LMN.

IRS authority

IRS Pub. 502 (general-health exclusion); LMN pathway

Worth knowing

Prenatal vitamins are the exception — directly eligible.

How to get covered

  1. Qualifying conditionsiron-deficiency anemia, vitamin D deficiency, B12 deficiency, or another deficiency confirmed by lab work
  2. What the letter must saythat the specific supplement, at a stated dose, treats your diagnosed deficiency
  3. How to askAsk when your lab results come back — a letter that references the bloodwork showing the deficiency is far harder to argue with.

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

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

Related answers

Fitness trackers & smart rings (Oura, Whoop, Fitbit)Gym membershipsPeloton & home exercise equipmentMassage guns (Theragun, etc.)Massage therapyCold plunges & saunas
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