Skip to content

Health Claims on Food Labels: What You Can Say, and When

Health claims on food labels: authorized claims and their conditions, the disqualifying levels, the oat and heart disease claim worked out, structure claims.

By Koa Sterling. Product specialist at TaroStack and small business owner. Yes, I am a real human, and I actually sit in front of a computer and write these articles. Reviewed October 17, 2026 · 6 min read

A health claim on a food label links the food, or something in it, to a disease or health condition: "diets low in saturated fat and cholesterol that include soluble fiber from whole oats may reduce the risk of heart disease". FDA allows only the claims it has authorized, each in its own section of 21 CFR part 101, subpart E, with its own wording and conditions, plus qualified health claims FDA has reviewed with specific wording. Every health claim also fails if the food carries too much of four things per reference amount: 13 g of fat, 4 g of saturated fat, 60 mg of cholesterol or 480 mg of sodium, the disqualifying levels. The authorized claims then add their own tests, and those are where small makers trip: the oat soluble fiber claim, for one, needs at least 0.75 g of soluble fiber from whole oats per reference amount and a food that's low fat, low saturated fat and low cholesterol, which rules out most granola. Different from health claims are structure and function statements, like "calcium builds strong bones", which don't name a disease, and nutrient content claims, like "good source of fiber". In the example below, a granola maker checks whether its oats can carry the heart claim. Below are the rules, the oat claim worked out, the example, and a free checker.

The short version

  • A health claim links a food or nutrient to a disease or health condition.
  • Only claims FDA has authorized, with their exact conditions, or qualified claims FDA has reviewed.
  • Disqualifying levels per reference amount: 13 g fat, 4 g saturated fat, 60 mg cholesterol, 480 mg sodium.
  • The oat heart claim needs 0.75 g soluble fiber from whole oats per reference amount.
  • It also needs a low fat, low saturated fat and low cholesterol food.
  • The claim says "may" or "might", and the daily oat fiber amount.
  • Structure and function statements don't name a disease; nutrient claims like "good source" have their own rules.
  • TaroStack keeps the recipe a claim rests on, with its versions. More below.

The rules

Rule 21 CFR part 101
Allowed claims Only those provided for in subpart E, meeting the general and specific provisions (101.14)
Disqualifying levels 13 g fat, 4 g saturated fat, 60 mg cholesterol or 480 mg sodium per reference amount and per serving (101.14)
Low fat 3 g or less per reference amount, for foods over 30 g (101.62)
Low saturated fat 1 g or less per reference amount, and no more than 15% of calories (101.62)

The oat claim worked out

Condition 21 CFR 101.81
Wording Diets low in saturated fat and cholesterol that include soluble fiber from the named oat source "may" or "might" reduce the risk of heart disease (101.81)
Daily amount The claim states 3 g or more a day of beta-glucan soluble fiber from whole oats or barley, and what one serving gives
Per serving At least 0.75 g of soluble fiber from whole oats per reference amount
On the label Soluble fiber declared in the Nutrition Facts
The food Low saturated fat, low cholesterol, and low fat unless the fat comes from the oats themselves

How the label adds up is in food labeling requirements for small business, and a nutrient claim worked out in high protein claim requirements. This is general information, not legal advice.

An example: a Logan granola maker

Cache Valley Granola Co., the made-up granola maker in Logan, Utah, I use in these examples, wanted the oat heart claim on its new bags, and checked three products per reference amount:

Product Fat Sat fat Oat soluble fiber Disqualifying level? Low fat and low sat fat? Claim allowed?
Honey almond granola 9.0 g 2.5 g 1.0 g No No No
Maple pecan granola 11.5 g 3.0 g 0.9 g No No No
Toasted oat clusters, no nuts 2.5 g 0.5 g 1.1 g No Yes Yes, if low cholesterol too

The granolas have plenty of oat fiber, but the almonds, pecans and oil take them past low fat, and that fat doesn't come from the oats. Only the plain oat clusters can carry the claim, with the exact wording and the daily 3 g on the bag. The nutrition values here are made up for the example; a lab or analysis is what a claim rests on. The recipe and bake are in how to make granola in bulk.

Get the checker

Download the oat health claim checker. One sheet: each product's fat, saturated fat, cholesterol, sodium and oat soluble fiber per reference amount, checked against the disqualifying levels, the low fat and low saturated fat tests and the soluble fiber minimum, with "No" in red. It's an ordinary Excel file with no macros, and it works in Google Sheets, LibreOffice and Numbers.

Where this stops working

A claim rests on a recipe: add more pecans, swap the oil, and a claim that held on last year's bag doesn't hold on this year's. A checker knows the numbers you typed, not the recipe you're making now.

How TaroStack does it

TaroStack keeps the recipe a claim rests on, with its versions.

Recipes with versions. Each product is a recipe by weight, and recipes keep their versions, so the formula behind a claim, and when it changed, is on record.

Batches record what went in. Each batch records the ingredient lots it used, so the oats and oil in a given run are on record.

Packaging on hand. Printed bags are items with stock, so you know how many claims are still in the warehouse before a recipe change.

The job Notebook In TaroStack
The formula behind a claim A file somewhere The recipe's version
What went into a run Not recorded Lots on each batch
Printed bags left Count the boxes Stock of the bag item

Recipes with versions, batches, lots and counts are on every plan, from $49 a month. The first 30 days are free, with no credit card. If you'd like a hand setting up, ask, and we'll do it with you.

Questions people also ask

What is a health claim on a food label?

A statement linking a food or nutrient to a disease or health condition, allowed only as FDA has authorized it.

Can granola carry the oat heart health claim?

Only if it meets the claim's conditions, including low fat; nuts and oil often push granola past it.

What are the disqualifying levels for health claims?

13 g of fat, 4 g of saturated fat, 60 mg of cholesterol or 480 mg of sodium per reference amount; any one rules a claim out unless its section makes an exception.

What's the difference between a health claim and a structure function claim?

A health claim names a disease or condition; a structure or function statement describes how a nutrient affects the body without naming a disease.

Sources

  1. 21 CFR 101.14: health claims only as provided in subpart E, the disqualifying levels (13 g fat, 4 g saturated fat, 60 mg cholesterol, 480 mg sodium per reference amount) · read October 17, 2026
  2. 21 CFR 101.81: soluble fiber from whole oats and coronary heart disease (may or might, 3 g beta-glucan a day, at least 0.75 g per reference amount, low saturated fat, low cholesterol and low fat) · read October 17, 2026
  3. 21 CFR 101.62: low fat (3 g or less per reference amount) and low saturated fat (1 g or less, and no more than 15% of calories) · read October 17, 2026

We use AI to help with the research for these articles. Every one is read, checked against its sources and edited by Koa before it's published. Spot a mistake? Tell us and we'll fix it and say so. How we write these.

Let’s get your stack in order.

Get TaroStack

Sign up now for your free 30 day trial. No credit card required.