News

How You Can Use HSA/FSA to Pay For a Gym Membership… And More

Health is wealth: Investing in your wellbeing with your HSA or FSA is money in the bank.

January 15, 2024
Sam O'Keefe Co-Founder and CEO of Flex
Sam O'Keefe
Co-founder & CEO of Flex
Flex - How to Use HSA/FSA to Pay for a Gym Membership
Flex - How to Use HSA/FSA to Pay for a Gym Membership

Overview

Overview

Overview

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) aren't just for co-pays and prescriptions, if utilized properly, they can help you achieve your fitness goals too. 

In fact, you may be able to use your HSA or FSA to pay for a gym membership, and a variety of other fitness related services, tools, and therapies too. From weight loss programs and yoga to fitness trackers and exercise equipment, these accounts let you contribute to your health and wealth in ways not typically covered by your insurance — which is better for you and your wallet.

What We’ll Cover About Getting in Shape With Your HSA or FSA

In this article, we will show you how you can sculpt your six-pack and your savings by using your HSA or FSA. Here is a quick overview of what we’ll go over:

  • Using your HSA or FSA for preventative medicine

  • Metabolic testing at home

  • How to use HSA to pay for your gym membership and fitness expenses

  • Can you use HSA/FSA to pay for gym memberships?

  • Can I use my HSA for a fitness tracker?

  • Can you use HSA for fitness apps?

  • What exercise equipment is HSA approved?

  • Can I use HSA for a massage?

  • What happens if you use HSA for non-qualified expenses?

  • Why it’s so much better with flex

Using Your HSA or FSA for Preventative Medicine

Your HSA and FSA can be used for medical expenses (products, services, and the like) that let you be proactive about your health. 

This is a kind of preventative medicine — rather than waiting until you are sick, how can we work to prevent or mitigate issues to begin with? This approach can help to detect problems early, reduce the risk of disease, and generally maintain a healthier lifestyle.

But you can’t use your HSA or FSA for just anything…

What are qualified medical expenses?

Let’s warm up with the basics before we dive into today’s activities.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are financial tools designed to help you pay for qualified medical expenses. The general rule is that “[qualified] medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness,” according to the IRS

These include many out-of-pocket costs that may not be covered by your health insurance, such as dental treatments, urgent care services, prescription glasses, and even baby items. You can find an exhaustive list of qualified medical expenses here.

Further, HSAs and FSAs can help you save money. On average, consumers save 30 to 40% percent on purchases they make with their HSA/FSA because money you put into and take out of the accounts are not taxed.

In other words, you can invest in your well-being for great returns.

Getting a Letter of Medical Necessity (LOMN)

Maybe the idea of paperwork makes you break into a sweat, but it’s important to cover for today. We need to review: What is a Letter of Medical Necessity and how do you get one? 

A LOMN is a crucial piece of the HSA/FSA puzzle. This formal document, required for non-standard healthcare expenses, outlines why a specific service or expense is medically necessary.

When it comes to using HSA/FSA to pay for gym memberships or fitness-related expenses, a LOMN is often required. To get one, consult your healthcare provider. They will need to explain how the proposed fitness regimen or product addresses a medical condition (by mitigation, treatment, or prevention).

How to Use HSA to Pay for Your Gym Membership and Fitness Expenses

To leverage your Health Savings Account (HSA) or Flexible Spending Account (FSA) for fitness expenses, start by determining eligibility based on IRS guidelines (shared above).

If you need a LOMN, consult with your healthcare provider to discuss the fitness activity to ensure that the product or service is directly related to the treatment, prevention, or alleviation of a specific medical condition. 

It’s always a good idea to keep thorough documentation, including receipts and any supporting documents from your healthcare provider. If you have an HSA debit card, use it directly at the point of purchase for eligible fitness expenses, like a gym membership. 

Alternatively, if you pay out-of-pocket, submit a reimbursement claim to your HSA provider, with all the relevant information included. Make sure to stay within annual contribution limits and stay informed about any changes in the IRS guidelines.

We know, we know, that’s a lot of detail. But hopefully you’re feeling limber now because it’s time to dive in! 

Can You Use HSA/FSA to Pay for Gym Memberships?

We’ve covered the fine print, let’s get to what you’re here for: Utilizing your HSA or FSA to pay for fitness-related costs and live a healthier — and wealthier — life!

So, can you use your HSA or FSA to pay for gym memberships or health club dues?

The short answer is yes, but you need a Letter of Medical Necessity.

To ensure that your gym or health club qualifies for HSA/FSA reimbursement, you first need to consult with your medical provider who will determine if a wellness program or fitness equipment is medically necessary to address a specific health condition. From there, they will provide you with a LOMN outlining how a membership is necessary to improve or maintain your health. 


Note that this isn’t about general fitness or well-being — there needs to be a direct connection between the gym and the treatment or prevention of a specific medical condition. However, if your doctor determines that the gym membership is medically necessary, let’s say for lowering blood pressure or dealing with a heart condition, HSA/FSA funds can cover the associated expenses.

Can you use HSA for personal training?

A personal trainer can be a huge ally in achieving your fitness goals, but can your HSA be your workout partner in covering the costs? 

To utilize your HSA for personal training, you will typically need a Letter of Medical Necessity. The letter should outline how the personal training sessions are necessary to improve or maintain your health, address an ailment, or prevent a problem.

Can you use HSA for a fitness program?

Same story: To utilize HSA to pay for a fitness program, you need a Letter of Medical Necessity outlining how the program helps address a specific health problem or prevents an issue.

Can you use HSA for weight loss?

Weight loss isn't just about shedding pounds and looking good, it's about gaining health. 

Yes, you can use your Health Savings Account (HSA) for weight loss expenses, such as fitness programs in gyms. However, they must be directly related to the treatment, prevention, or alleviation of a specific medical condition, such as obesity, hypertension, or heart disease. Accordingly, you will typically need a Letter of Medical Necessity to start an HSA-reimbursable weight loss program.

Note that diet foods and beverages are not eligible for reimbursement as they are not deemed medically necessary (there are viable general alternatives, such as fresh fruits and veggies). 

Does HSA cover Pilates?

If your healthcare provider recommends Pilates as part of a treatment plan and provides a Letter of Medical Necessity, you can use your HSA funds to cover the associated expenses. Make sure to keep detailed records and documentation to support your claim in case of an audit or verification.

Can I pay for yoga with my HSA?

Same as with Pilates, if your healthcare provider recommends yoga sessions as part of a treatment plan and backs it with a Letter of Medical Necessity, you may be eligible to use your HSA funds for yoga expenses. Get ready to stretch those HSA and FSA dollars!

Can I Use My HSA for a Fitness Tracker?

For many folks, fitness trackers are indispensable companions on their journey to wellness. 

If you’re one of those people, good news: Should your desired fitness tracker be used for the treatment, prevention, or alleviation of a health problem, it qualifies as an HSA-eligible medical expense! All you need to do is provide a Letter of Medical Necessity outlining why the device is medically necessary for your health and well-being.

Here's are some popular gadgets:

Smartwatches & fitness trackers:

  • If your healthcare provider determines devices like the Oura Ring, Fitbit, Apple Watch, Withings, Whoop, or Garmin watches are medically necessary for your health, you may be able to use your HSA or FSA to buy them. Typically, these qualify as general health products and are not covered, so a Letter of Medical Necessity from your healthcare provider is required.

  • Other items are eligible on their own (meaning they don’t need a LOMN), including fertility trackers and a slew of monitors for things like heart rate, blood glucose, blood pressure and EKG, and oxygen levels.

Smart scale:

  • Similar to the devices above, the use of an HSA or FSA for a smart scale depends on whether it is considered medically necessary. Consult with your healthcare provider — if you have a disease that requires careful weight monitoring or food consumption calculation this may qualify.

Metabolic Testing at Home

Speaking of your metabolism, metabolic testing at home is a powerful tool for preventative medicine. These tests allow you to gain personalized insights about your health and body by evaluating things like hormones, gut microbiome, and even your DNA so that you can make informed decisions about lifestyle changes. 

Common reasons to take a metabolism test are to gain insight into how your body processes different nutrients, how diet and exercise affect your body, and whether you might have, or have a susceptibility to, certain health conditions. 

There are a handful of companies that offer this service. We like iollo, a Flex partner, who offer one of the most comprehensive tests available. Their easy at-home collection device and analysis tracks over 500 blood biomarkers offering you a wealth of personalized data. 

Lumen is another player in the space. This daily-use device is a hand-held breathe analyzer that can tell whether you are currently burning carbohydrates or fat. There’s a lot of science behind it, but the data (and the app) can help you make better informed decisions for your nutrition and workout plan for the day. The device may be eligible if your healthcare provider deems it a medical necessity. Again, consult with your doctor and obtain an LOMN if required.

From breath analyzers to smart scales, the market is brimming with gadgets that make fitness more personalized and qualify as eligible expenses under your HSA/FSA.

Can You Use HSA for Fitness Apps

Using your Health Savings Account (HSA) for fitness apps can be challenging, as IRS guidelines primarily focus on medical expenses. 

However, fitness and weight management apps such as Centr (which offers personalized workout, nutrition, and mindfulness coaching) or Copilot (which continuously adapts every workout to your goals, schedule) can be eligible for refunds, granted you obtain a Letter of Medical Necessity outlining their need for managing or preventing a health condition. 

What exercise equipment is HSA approved?

When it comes to medical conditions such as diabetes, obesity, or high blood pressure, an HSA account might allow for the reimbursement of some exercise equipment. Here are a few options:

  • Treadmills: When prescribed by a healthcare provider as part of a treatment plan for a specific medical condition, treadmills can be HSA or FSA eligible.

  • Stationary bikes: Similar to treadmills, stationary bikes like Pelotons may be eligible when prescribed by a healthcare provider for medical purposes.

  • Electric bikes: E-bikes may be eligible with a healthcare provider's prescription.

  • Elliptical Machines: If recommended by a healthcare provider as part of a treatment plan for a specific medical condition.

  • Weights and resistance bands: When prescribed for specific medical reasons, such as physical therapy or rehabilitation.

  • Blood pressure monitors: Devices for monitoring vital signs are HSA and FSA approved.

  • Glucometers: Blood glucose monitoring equipment are eligible for HSA or FSA reimbursement.

Consider a brand like Echelon Fit, whose smart fitness equipment can connect you with classes, instructors, and integrate with your health tracker or app.

Note that weight loss plans on their own are not an acceptable reason for reimbursing the cost of exercise equipment, the products must go towards a medical condition, like those mentioned above. 

Can I Use HSA For a Massage?

Want to treat yourself after a tough workout? Sadly, massages for general relaxation or well-being purposes don’t qualify for HSA reimbursement.

However, if the massage is deemed medically necessary by your healthcare provider — such as for the treatment of a chronic illness or to aid in recuperation from a significant injury — and you have a Letter of Medical Necessity outlining why massage is part of the treatment plan, you may be able to use your HSA funds to cover the expenses.

What Happens If You Use Your HSA for Non-Qualified Expenses?

As you can see, a lot of the items covered in this article don’t qualify without a LOMN because they are typically considered tools for general health. This means that you need to be particularly careful that you are documenting how x or y product or service prevents, alleviates or treats a specific disease, illness or disability.

If you do use your HSA or FSA to pay for a non-qualified expenses brace for the tax punch – a hefty 20% penalty on the non-qualified amount, and the added bonus of income tax. It's a financial faceplant you'd want to avoid. 

Remember: HSA funds are for qualified medical expenses only. 

The Better Way — Pay With Flex

We shared the standard way to cover your costs or get reimbursed above — it can take weeks to get a LOMN, for example — but Flex makes it all so much easier. 

Here’s how it works:

The item falls outside of standard IRS guidelines (like most of the products and services mentioned in this article): If a company has partnered with Flex to issue a Letter of Medical Necessity, you'll see a "checkout with Flex" option on the payment page. Complete the following steps to pay with your HSA or FSA debit card:

  • Fill out a short eligibility form, sharing relevant information with Flex’s medical team. 

  • If you qualify, Flex sends the LOMN to you via email.

  • Then, simply enter your HSA or FSA card details and complete the purchase. 

For pre-approved medical expenses: Flex makes purchasing eligible items easier. If a company has partnered with Flex, you'll see a "checkout with Flex" option on the payment page. Pay for the product or service with your HSA or FSA card and checkout as usual. Flex will substantiate the purchase automatically. This means you don't need to submit for reimbursement.*

It’s as easy as that! 

(*Note that in some cases, your FSA may ask for further details, like a receipt.)

Ready to Use Your HSA/FSA For a Gym Membership — And Better Health?

You now know how to utilize your HSA or FSA to pay for gym memberships, exercise equipment, and fitness gadgets — all while saving money too. Time for the hard part: Building that sweat equity.

Whether you're pushing it on a Peloton, zenning out in a yoga class, or splurging on that Fitbit bling, remember: it's not just about reps, it's about returns — on your investment and your well-being. 

So, flex those financial muscles, ride your way to reimbursement, and let your HSA or FSA be one of your fitness journey’s greatest allies. Cheers to a year of good gains — both in the gym and in the wallet!

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) aren't just for co-pays and prescriptions, if utilized properly, they can help you achieve your fitness goals too. 

In fact, you may be able to use your HSA or FSA to pay for a gym membership, and a variety of other fitness related services, tools, and therapies too. From weight loss programs and yoga to fitness trackers and exercise equipment, these accounts let you contribute to your health and wealth in ways not typically covered by your insurance — which is better for you and your wallet.

What We’ll Cover About Getting in Shape With Your HSA or FSA

In this article, we will show you how you can sculpt your six-pack and your savings by using your HSA or FSA. Here is a quick overview of what we’ll go over:

  • Using your HSA or FSA for preventative medicine

  • Metabolic testing at home

  • How to use HSA to pay for your gym membership and fitness expenses

  • Can you use HSA/FSA to pay for gym memberships?

  • Can I use my HSA for a fitness tracker?

  • Can you use HSA for fitness apps?

  • What exercise equipment is HSA approved?

  • Can I use HSA for a massage?

  • What happens if you use HSA for non-qualified expenses?

  • Why it’s so much better with flex

Using Your HSA or FSA for Preventative Medicine

Your HSA and FSA can be used for medical expenses (products, services, and the like) that let you be proactive about your health. 

This is a kind of preventative medicine — rather than waiting until you are sick, how can we work to prevent or mitigate issues to begin with? This approach can help to detect problems early, reduce the risk of disease, and generally maintain a healthier lifestyle.

But you can’t use your HSA or FSA for just anything…

What are qualified medical expenses?

Let’s warm up with the basics before we dive into today’s activities.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are financial tools designed to help you pay for qualified medical expenses. The general rule is that “[qualified] medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness,” according to the IRS

These include many out-of-pocket costs that may not be covered by your health insurance, such as dental treatments, urgent care services, prescription glasses, and even baby items. You can find an exhaustive list of qualified medical expenses here.

Further, HSAs and FSAs can help you save money. On average, consumers save 30 to 40% percent on purchases they make with their HSA/FSA because money you put into and take out of the accounts are not taxed.

In other words, you can invest in your well-being for great returns.

Getting a Letter of Medical Necessity (LOMN)

Maybe the idea of paperwork makes you break into a sweat, but it’s important to cover for today. We need to review: What is a Letter of Medical Necessity and how do you get one? 

A LOMN is a crucial piece of the HSA/FSA puzzle. This formal document, required for non-standard healthcare expenses, outlines why a specific service or expense is medically necessary.

When it comes to using HSA/FSA to pay for gym memberships or fitness-related expenses, a LOMN is often required. To get one, consult your healthcare provider. They will need to explain how the proposed fitness regimen or product addresses a medical condition (by mitigation, treatment, or prevention).

How to Use HSA to Pay for Your Gym Membership and Fitness Expenses

To leverage your Health Savings Account (HSA) or Flexible Spending Account (FSA) for fitness expenses, start by determining eligibility based on IRS guidelines (shared above).

If you need a LOMN, consult with your healthcare provider to discuss the fitness activity to ensure that the product or service is directly related to the treatment, prevention, or alleviation of a specific medical condition. 

It’s always a good idea to keep thorough documentation, including receipts and any supporting documents from your healthcare provider. If you have an HSA debit card, use it directly at the point of purchase for eligible fitness expenses, like a gym membership. 

Alternatively, if you pay out-of-pocket, submit a reimbursement claim to your HSA provider, with all the relevant information included. Make sure to stay within annual contribution limits and stay informed about any changes in the IRS guidelines.

We know, we know, that’s a lot of detail. But hopefully you’re feeling limber now because it’s time to dive in! 

Can You Use HSA/FSA to Pay for Gym Memberships?

We’ve covered the fine print, let’s get to what you’re here for: Utilizing your HSA or FSA to pay for fitness-related costs and live a healthier — and wealthier — life!

So, can you use your HSA or FSA to pay for gym memberships or health club dues?

The short answer is yes, but you need a Letter of Medical Necessity.

To ensure that your gym or health club qualifies for HSA/FSA reimbursement, you first need to consult with your medical provider who will determine if a wellness program or fitness equipment is medically necessary to address a specific health condition. From there, they will provide you with a LOMN outlining how a membership is necessary to improve or maintain your health. 


Note that this isn’t about general fitness or well-being — there needs to be a direct connection between the gym and the treatment or prevention of a specific medical condition. However, if your doctor determines that the gym membership is medically necessary, let’s say for lowering blood pressure or dealing with a heart condition, HSA/FSA funds can cover the associated expenses.

Can you use HSA for personal training?

A personal trainer can be a huge ally in achieving your fitness goals, but can your HSA be your workout partner in covering the costs? 

To utilize your HSA for personal training, you will typically need a Letter of Medical Necessity. The letter should outline how the personal training sessions are necessary to improve or maintain your health, address an ailment, or prevent a problem.

Can you use HSA for a fitness program?

Same story: To utilize HSA to pay for a fitness program, you need a Letter of Medical Necessity outlining how the program helps address a specific health problem or prevents an issue.

Can you use HSA for weight loss?

Weight loss isn't just about shedding pounds and looking good, it's about gaining health. 

Yes, you can use your Health Savings Account (HSA) for weight loss expenses, such as fitness programs in gyms. However, they must be directly related to the treatment, prevention, or alleviation of a specific medical condition, such as obesity, hypertension, or heart disease. Accordingly, you will typically need a Letter of Medical Necessity to start an HSA-reimbursable weight loss program.

Note that diet foods and beverages are not eligible for reimbursement as they are not deemed medically necessary (there are viable general alternatives, such as fresh fruits and veggies). 

Does HSA cover Pilates?

If your healthcare provider recommends Pilates as part of a treatment plan and provides a Letter of Medical Necessity, you can use your HSA funds to cover the associated expenses. Make sure to keep detailed records and documentation to support your claim in case of an audit or verification.

Can I pay for yoga with my HSA?

Same as with Pilates, if your healthcare provider recommends yoga sessions as part of a treatment plan and backs it with a Letter of Medical Necessity, you may be eligible to use your HSA funds for yoga expenses. Get ready to stretch those HSA and FSA dollars!

Can I Use My HSA for a Fitness Tracker?

For many folks, fitness trackers are indispensable companions on their journey to wellness. 

If you’re one of those people, good news: Should your desired fitness tracker be used for the treatment, prevention, or alleviation of a health problem, it qualifies as an HSA-eligible medical expense! All you need to do is provide a Letter of Medical Necessity outlining why the device is medically necessary for your health and well-being.

Here's are some popular gadgets:

Smartwatches & fitness trackers:

  • If your healthcare provider determines devices like the Oura Ring, Fitbit, Apple Watch, Withings, Whoop, or Garmin watches are medically necessary for your health, you may be able to use your HSA or FSA to buy them. Typically, these qualify as general health products and are not covered, so a Letter of Medical Necessity from your healthcare provider is required.

  • Other items are eligible on their own (meaning they don’t need a LOMN), including fertility trackers and a slew of monitors for things like heart rate, blood glucose, blood pressure and EKG, and oxygen levels.

Smart scale:

  • Similar to the devices above, the use of an HSA or FSA for a smart scale depends on whether it is considered medically necessary. Consult with your healthcare provider — if you have a disease that requires careful weight monitoring or food consumption calculation this may qualify.

Metabolic Testing at Home

Speaking of your metabolism, metabolic testing at home is a powerful tool for preventative medicine. These tests allow you to gain personalized insights about your health and body by evaluating things like hormones, gut microbiome, and even your DNA so that you can make informed decisions about lifestyle changes. 

Common reasons to take a metabolism test are to gain insight into how your body processes different nutrients, how diet and exercise affect your body, and whether you might have, or have a susceptibility to, certain health conditions. 

There are a handful of companies that offer this service. We like iollo, a Flex partner, who offer one of the most comprehensive tests available. Their easy at-home collection device and analysis tracks over 500 blood biomarkers offering you a wealth of personalized data. 

Lumen is another player in the space. This daily-use device is a hand-held breathe analyzer that can tell whether you are currently burning carbohydrates or fat. There’s a lot of science behind it, but the data (and the app) can help you make better informed decisions for your nutrition and workout plan for the day. The device may be eligible if your healthcare provider deems it a medical necessity. Again, consult with your doctor and obtain an LOMN if required.

From breath analyzers to smart scales, the market is brimming with gadgets that make fitness more personalized and qualify as eligible expenses under your HSA/FSA.

Can You Use HSA for Fitness Apps

Using your Health Savings Account (HSA) for fitness apps can be challenging, as IRS guidelines primarily focus on medical expenses. 

However, fitness and weight management apps such as Centr (which offers personalized workout, nutrition, and mindfulness coaching) or Copilot (which continuously adapts every workout to your goals, schedule) can be eligible for refunds, granted you obtain a Letter of Medical Necessity outlining their need for managing or preventing a health condition. 

What exercise equipment is HSA approved?

When it comes to medical conditions such as diabetes, obesity, or high blood pressure, an HSA account might allow for the reimbursement of some exercise equipment. Here are a few options:

  • Treadmills: When prescribed by a healthcare provider as part of a treatment plan for a specific medical condition, treadmills can be HSA or FSA eligible.

  • Stationary bikes: Similar to treadmills, stationary bikes like Pelotons may be eligible when prescribed by a healthcare provider for medical purposes.

  • Electric bikes: E-bikes may be eligible with a healthcare provider's prescription.

  • Elliptical Machines: If recommended by a healthcare provider as part of a treatment plan for a specific medical condition.

  • Weights and resistance bands: When prescribed for specific medical reasons, such as physical therapy or rehabilitation.

  • Blood pressure monitors: Devices for monitoring vital signs are HSA and FSA approved.

  • Glucometers: Blood glucose monitoring equipment are eligible for HSA or FSA reimbursement.

Consider a brand like Echelon Fit, whose smart fitness equipment can connect you with classes, instructors, and integrate with your health tracker or app.

Note that weight loss plans on their own are not an acceptable reason for reimbursing the cost of exercise equipment, the products must go towards a medical condition, like those mentioned above. 

Can I Use HSA For a Massage?

Want to treat yourself after a tough workout? Sadly, massages for general relaxation or well-being purposes don’t qualify for HSA reimbursement.

However, if the massage is deemed medically necessary by your healthcare provider — such as for the treatment of a chronic illness or to aid in recuperation from a significant injury — and you have a Letter of Medical Necessity outlining why massage is part of the treatment plan, you may be able to use your HSA funds to cover the expenses.

What Happens If You Use Your HSA for Non-Qualified Expenses?

As you can see, a lot of the items covered in this article don’t qualify without a LOMN because they are typically considered tools for general health. This means that you need to be particularly careful that you are documenting how x or y product or service prevents, alleviates or treats a specific disease, illness or disability.

If you do use your HSA or FSA to pay for a non-qualified expenses brace for the tax punch – a hefty 20% penalty on the non-qualified amount, and the added bonus of income tax. It's a financial faceplant you'd want to avoid. 

Remember: HSA funds are for qualified medical expenses only. 

The Better Way — Pay With Flex

We shared the standard way to cover your costs or get reimbursed above — it can take weeks to get a LOMN, for example — but Flex makes it all so much easier. 

Here’s how it works:

The item falls outside of standard IRS guidelines (like most of the products and services mentioned in this article): If a company has partnered with Flex to issue a Letter of Medical Necessity, you'll see a "checkout with Flex" option on the payment page. Complete the following steps to pay with your HSA or FSA debit card:

  • Fill out a short eligibility form, sharing relevant information with Flex’s medical team. 

  • If you qualify, Flex sends the LOMN to you via email.

  • Then, simply enter your HSA or FSA card details and complete the purchase. 

For pre-approved medical expenses: Flex makes purchasing eligible items easier. If a company has partnered with Flex, you'll see a "checkout with Flex" option on the payment page. Pay for the product or service with your HSA or FSA card and checkout as usual. Flex will substantiate the purchase automatically. This means you don't need to submit for reimbursement.*

It’s as easy as that! 

(*Note that in some cases, your FSA may ask for further details, like a receipt.)

Ready to Use Your HSA/FSA For a Gym Membership — And Better Health?

You now know how to utilize your HSA or FSA to pay for gym memberships, exercise equipment, and fitness gadgets — all while saving money too. Time for the hard part: Building that sweat equity.

Whether you're pushing it on a Peloton, zenning out in a yoga class, or splurging on that Fitbit bling, remember: it's not just about reps, it's about returns — on your investment and your well-being. 

So, flex those financial muscles, ride your way to reimbursement, and let your HSA or FSA be one of your fitness journey’s greatest allies. Cheers to a year of good gains — both in the gym and in the wallet!

Flex is a modern marketplace for consumers to discover and purchase HSA/FSA eligible products. From fitness and nutrition, to sleep and mental health, Flex takes a holistic view of healthcare and enables consumers to use their pre-tax money to do the same.