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Can you pay for MCT oil with an HSA?

Are you wondering if you can pay for MCT oil with an HSA? You may also be wondering if this item is eligible or ineligible for use with your HSA funds, or if it qualifies for reimbursement.

No, unfortunately you can't use your HSA to pay for MCT oil. In fact, if you do pay for MCT oil with you HSA, you may be subject to a penalty.

More details about MCT oil

MCT oil, also known as medium-chain triglyceride oil, is typically extracted from palm kernel oil and coconut oil and promoted as a substance that can help weight loss. MCT oil also occurs naturally in butter.

It's common for people to add MCT oil to coffee, smoothies, and other drinks.


Please note that it's always best to check with your HSA administrator or health insurance provider to confirm if you can pay for MCT oil with your HSA card before making any purchases.

A good rule of thumb is that if your doctor diagnosed you with a specific medical condition or ordered a treatment, product, or prescription specifically for you, your HSA should cover it. Sometimes your HSA will even cover items that it normally wouldn't if you have a letter of medical necessity signed by your doctor. Again, you should check with your HSA administrator before any purchase if you have any questions about an item being eligible or ineligible.