Does HSA cover melatonin?
Melatonin is a dietary supplement, and supplements taken for general health usually aren't HSA-eligible — they qualify only when a provider recommends them to treat a specific diagnosed condition.
What flips the answer
- Covered when
A medical practitioner recommends melatonin to treat a specific diagnosed condition, documented in a Letter of Medical Necessity.
- Not covered when
You're buying it over the counter as a general sleep aid or supplement — the typical case.
The IRS says nutritional supplements, vitamins, and herbal products bought for general health are not qualified medical expenses. Melatonin sold over the counter as a sleep aid falls under that rule, so by default you can't buy it with HSA or FSA funds.
The exception is when a supplement is recommended by a medical practitioner to treat a specific diagnosed condition — for instance, melatonin recommended to treat a documented sleep disorder. In that case it can qualify, but you generally need a Letter of Medical Necessity, and your plan administrator decides whether to accept it.
This is different from over-the-counter medicines, which the CARES Act made broadly HSA- and FSA-eligible without a prescription in 2020. That change applied to OTC drugs and menstrual products — not to dietary supplements like melatonin, which still require the medical-necessity link.
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