Dietary Supplements Access Act

May 20, 2026

Summary

Changes tax laws to allow people to use money from special health savings accounts to pay for dietary supplements, up to a certain limit.

What problem does this solve?

People currently cannot use tax-free money from their health savings accounts to buy vitamins and other supplements. This bill makes those products a qualified medical expense, so people can use their health account funds to purchase them.

What does this bill do?

Allows health savings account (HSA) funds for supplements

Treats up to $500 spent on dietary supplements each year as a qualified medical expense. The limit is $250 for a married person filing a separate tax return.

Applies to other tax-advantaged health accounts

Extends the same rule and spending limits to Archer MSAs, Health Flexible Spending Arrangements (FSAs), and Health Reimbursement Arrangements (HRAs).

Defines dietary supplement and lists exclusions

Uses the definition from the Federal Food, Drug, and Cosmetic Act. It specifically states that energy drinks, soft drinks, and sodas do not count as dietary supplements.

Who does this affect?

Individuals with tax-advantaged health accounts (HSAs, FSAs, etc.)
Dietary supplement manufacturers and retailers

What is the real world impact?

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Benefits the supplement industry

Creates a new, tax-advantaged way for consumers to buy dietary supplements. This will likely lead to increased sales and profits for companies that make and sell these products.

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Could lead to misuse of healthcare funds

The dietary supplement industry is not as regulated as the pharmaceutical industry. Critics might argue this encourages people to spend their limited healthcare dollars on products that may not be proven safe or effective.

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Promotes preventative health

Makes dietary supplements more affordable by allowing them to be purchased with pre-tax dollars from health accounts. This may encourage people to invest in preventative wellness products.

When does this start?

If passed, these changes would apply to supplements purchased after December 31, 2026.