Is Melatonin HSA/FSA Eligible?
Sold as an OTC sleep aid rather than a general dietary supplement, which is why it clears the bar that vitamins usually don't.
Account rule vs. tax deduction: since January 1, 2020, over-the-counter medicine can be paid from an HSA or FSA without a prescription. CARES Act §3702 removed the prescription requirement from IRC §223 for HSAs, and Pub. 969 states the same rule for FSAs and HRAs. That change covers the accounts only: Pub. 502 still does not allow an itemized deduction for non-prescribed drugs other than insulin.
How the rule applies
Melatonin is sold in the drug aisle as a sleep aid, and many plan administrators accept it for that reason. That separates it from general vitamins, which are excluded when they are only for overall wellness.
What to keep for your records
Keep the receipt and the label showing a sleep aid use. If your administrator asks questions, a short note from your doctor tying it to a sleep problem settles it.
Watch out for
Rules for supplements vary by administrator. If your plan balks, ask them in writing which category they apply. Gummies marketed for relaxation or general wellness are the likeliest to be questioned.
Where to buy it HSA/FSA-eligible
Pay with your HSA or FSA card directly, or buy elsewhere and save the receipt to submit for reimbursement.
Shop on FSA Store → Shop on HSA Store →Related in OTC Medications
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This ruling applies the HSA/FSA account rules (IRC §223, IRS Pub. 969), the medical-care definition they rely on (IRC §213(d), IRS Pub. 502) and any later statutory change or IRS guidance listed above. It is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.