At first glance, vitamins and other dietary supplements seem like qualified medical expenses for health savings account (HSA) and flexible spending account (FSA) holders. They are designed to fill "gaps" in the average diet, offsetting nutritional deficiencies along the way — yes, even those deficiencies that can lead to larger health problems.

However, the IRS defines qualified medical expenses within the IRS Section 213(d) as “amounts paid for the diagnosis, cure, mitigation or treatment of a disease, and for treatments affecting any structure or function of the body.” The IRS has further specified that these expenses must be primarily to alleviate a physical or mental defect or illness.

So why are HSA users coming up empty when searching for HSA eligible vitamins and supplements? Learn which vitamins and supplements are HSA eligible. //

Currently, the only way to use a consumer-directed healthcare account to pay for most vitamins and supplements is if a specific vitamin or supplement is recommended by a medical professional to treat or mitigate a medical condition with a letter of medical necessity.