Is Probiotics HSA-Eligible? (2026)
Probiotics are HSA-eligible only with a letter of medical necessity from a doctor.
Typical Cost
$15–$60 per month
Details
Probiotics fall in a gray area. General-use probiotics for gut health don't qualify — the IRS treats them like supplements. But if your doctor prescribes probiotics for a specific medical condition (IBS, C. diff recovery, antibiotic-related GI issues), they become eligible with a letter of medical necessity. Keep that LMN on file.
Requirements
Requires a letter of medical necessity from a doctor for a specific diagnosed condition.
Frequently Asked Questions
Are probiotics HSA-eligible?
Only with a doctor's letter of medical necessity for a specific condition like IBS or post-antibiotic recovery. General gut health use doesn't qualify.
What about probiotic yogurt?
No. Food items are never HSA-eligible, even if they contain probiotics.
Related HSA Expenses
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