Is CBD Oil HSA-Eligible? (2026)
CBD oil and CBD products are NOT HSA-eligible — they're not FDA-approved medications.
Typical Cost
$30–$100 per product
Details
CBD oil, CBD gummies, CBD creams, and other CBD products are not HSA-eligible. The IRS requires medications to be legally procured and serve a medical purpose. Since CBD isn't FDA-approved as a medication (except Epidiolex for epilepsy), general CBD products don't qualify. The one exception: Epidiolex, a prescription CBD medication for seizures, IS eligible because it's an FDA-approved prescription drug.
Requirements
Not eligible. CBD is not classified as a medicine by the FDA (except Epidiolex for epilepsy).
Frequently Asked Questions
Is CBD oil HSA-eligible?
No. CBD products aren't FDA-approved medications, so they don't qualify. The exception is Epidiolex (prescription CBD for epilepsy).
What about CBD prescribed by my doctor?
A doctor's recommendation doesn't change the FDA status. Unless it's Epidiolex (FDA-approved for epilepsy), it's not eligible.
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