How & When You Can Use HSA/FSA for a Gym Membership
Yulia Derdemezis
Head of Marketing at Flex
Updated: January 26, 2026
🚀 Fast Facts: Is a gym membership HSA/FSA eligible?
Gym memberships can be, but are not automatically, HSA/FSA-eligible
A gym membership needs to be required as part of a treatment plan for a medical condition
You’ll typically need an LMN to qualify a gym membership to be purchased with an HSA/FSA card
Gym memberships can be, but are not automatically, HSA/FSA-eligible
A gym membership needs to be required as part of a treatment plan for a medical condition
You’ll typically need an LMN to qualify a gym membership to be purchased with an HSA/FSA card
Gym memberships can be, but are not automatically, HSA/FSA-eligible
A gym membership needs to be required as part of a treatment plan for a medical condition
You’ll typically need an LMN to qualify a gym membership to be purchased with an HSA/FSA card
Gym memberships can be, but are not automatically, HSA/FSA-eligible
A gym membership needs to be required as part of a treatment plan for a medical condition
You’ll typically need an LMN to qualify a gym membership to be purchased with an HSA/FSA card
If you’ve ever wondered whether you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover a gym membership, you’re not alone. Gym memberships sit in a gray area for many people, which often leads to confusion, missed savings, or unused account balances.
This guide breaks it all down so you know when gym memberships qualify, what documentation you need, and how to buy eligible options with the least amount of hassle. Here’s what you’ll learn in this article:
Do you need a Letter of Medical Necessity to buy a gym membership with your HSA/FSA?
7 types of medical conditions that qualify gym memberships as HSA/FSA eligible
How to buy a gym membership using your HSA or FSA directly or reimbursement
Understanding the eligibility rules is the first step to spending your HSA/FSA dollars wisely. Let’s start by answering the most common question people ask when it comes to fitness and pre-tax dollars: whether gym memberships qualify at all.
If you’ve ever wondered whether you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover a gym membership, you’re not alone. Gym memberships sit in a gray area for many people, which often leads to confusion, missed savings, or unused account balances.
This guide breaks it all down so you know when gym memberships qualify, what documentation you need, and how to buy eligible options with the least amount of hassle. Here’s what you’ll learn in this article:
Do you need a Letter of Medical Necessity to buy a gym membership with your HSA/FSA?
7 types of medical conditions that qualify gym memberships as HSA/FSA eligible
How to buy a gym membership using your HSA or FSA directly or reimbursement
Understanding the eligibility rules is the first step to spending your HSA/FSA dollars wisely. Let’s start by answering the most common question people ask when it comes to fitness and pre-tax dollars: whether gym memberships qualify at all.
If you’ve ever wondered whether you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover a gym membership, you’re not alone. Gym memberships sit in a gray area for many people, which often leads to confusion, missed savings, or unused account balances.
This guide breaks it all down so you know when gym memberships qualify, what documentation you need, and how to buy eligible options with the least amount of hassle. Here’s what you’ll learn in this article:
Do you need a Letter of Medical Necessity to buy a gym membership with your HSA/FSA?
7 types of medical conditions that qualify gym memberships as HSA/FSA eligible
How to buy a gym membership using your HSA or FSA directly or reimbursement
Understanding the eligibility rules is the first step to spending your HSA/FSA dollars wisely. Let’s start by answering the most common question people ask when it comes to fitness and pre-tax dollars: whether gym memberships qualify at all.
Are gym memberships HSA and FSA eligible?
Gym memberships are not automatically HSA or FSA eligible under IRS rules. In most cases, the IRS views a standard gym membership as a general wellness or fitness expense, which means you can’t use your HSA/FSA to pay for it by default.
But gym memberships can be HSA/FSA eligible in specific situations. The key factor is using them to treat a medical condition, and not for general fitness or prevention. The IRS allows HSA and FSA funds to be used for expenses that treat, mitigate, or manage a diagnosed medical condition.
Here’s how that distinction plays out in real life:
A gym membership used to “stay healthy” or “get in shape” does not qualify
A gym membership prescribed to treat a specific medical condition may qualify
Documentation of your condition is critical, and approval depends on your personal health situation
Gym memberships are not automatically HSA or FSA eligible under IRS rules. In most cases, the IRS views a standard gym membership as a general wellness or fitness expense, which means you can’t use your HSA/FSA to pay for it by default.
But gym memberships can be HSA/FSA eligible in specific situations. The key factor is using them to treat a medical condition, and not for general fitness or prevention. The IRS allows HSA and FSA funds to be used for expenses that treat, mitigate, or manage a diagnosed medical condition.
Here’s how that distinction plays out in real life:
A gym membership used to “stay healthy” or “get in shape” does not qualify
A gym membership prescribed to treat a specific medical condition may qualify
Documentation of your condition is critical, and approval depends on your personal health situation
Gym memberships are not automatically HSA or FSA eligible under IRS rules. In most cases, the IRS views a standard gym membership as a general wellness or fitness expense, which means you can’t use your HSA/FSA to pay for it by default.
But gym memberships can be HSA/FSA eligible in specific situations. The key factor is using them to treat a medical condition, and not for general fitness or prevention. The IRS allows HSA and FSA funds to be used for expenses that treat, mitigate, or manage a diagnosed medical condition.
Here’s how that distinction plays out in real life:
A gym membership used to “stay healthy” or “get in shape” does not qualify
A gym membership prescribed to treat a specific medical condition may qualify
Documentation of your condition is critical, and approval depends on your personal health situation
Do you need a Letter of Medical Necessity to buy a gym membership with your HSA/FSA?
In almost all qualifying cases, yes, you need a Letter of Medical Necessity (LMN) to use HSA or FSA funds for a gym membership. An LMN is a written statement from a licensed medical provider that confirms the gym membership is part of a treatment plan for a diagnosed medical condition.
An LMN for a gym membership should typically include:
Your specific medical diagnosis
A recommendation for regular exercise or supervised fitness
A statement explaining how the gym membership supports treatment
A defined time period for the recommendation
Without this documentation, HSA and FSA administrators usually deny gym membership claims. Even if exercise clearly supports your health, prevention alone does not meet eligibility standards.
If you want to see if you qualify to use your HSA/FSA for a gym membership, check out some of the gyms in the Flex Marketplace that can ask you eligibility questions right at checkout, and provide you with an LMN within 24 hours. Some of our favorites include Crunch Fitness or 24 Hour Fitness, both with locations across the US.
For a detailed breakdown, check out our full guide on how to get a Letter of Medical Necessity for a gym membership.
In almost all qualifying cases, yes, you need a Letter of Medical Necessity (LMN) to use HSA or FSA funds for a gym membership. An LMN is a written statement from a licensed medical provider that confirms the gym membership is part of a treatment plan for a diagnosed medical condition.
An LMN for a gym membership should typically include:
Your specific medical diagnosis
A recommendation for regular exercise or supervised fitness
A statement explaining how the gym membership supports treatment
A defined time period for the recommendation
Without this documentation, HSA and FSA administrators usually deny gym membership claims. Even if exercise clearly supports your health, prevention alone does not meet eligibility standards.
If you want to see if you qualify to use your HSA/FSA for a gym membership, check out some of the gyms in the Flex Marketplace that can ask you eligibility questions right at checkout, and provide you with an LMN within 24 hours. Some of our favorites include Crunch Fitness or 24 Hour Fitness, both with locations across the US.
For a detailed breakdown, check out our full guide on how to get a Letter of Medical Necessity for a gym membership.
In almost all qualifying cases, yes, you need a Letter of Medical Necessity (LMN) to use HSA or FSA funds for a gym membership. An LMN is a written statement from a licensed medical provider that confirms the gym membership is part of a treatment plan for a diagnosed medical condition.
An LMN for a gym membership should typically include:
Your specific medical diagnosis
A recommendation for regular exercise or supervised fitness
A statement explaining how the gym membership supports treatment
A defined time period for the recommendation
Without this documentation, HSA and FSA administrators usually deny gym membership claims. Even if exercise clearly supports your health, prevention alone does not meet eligibility standards.
If you want to see if you qualify to use your HSA/FSA for a gym membership, check out some of the gyms in the Flex Marketplace that can ask you eligibility questions right at checkout, and provide you with an LMN within 24 hours. Some of our favorites include Crunch Fitness or 24 Hour Fitness, both with locations across the US.
For a detailed breakdown, check out our full guide on how to get a Letter of Medical Necessity for a gym membership.
7 types of medical conditions that qualify gym memberships as HSA/FSA eligible
A gym membership can qualify for HSA or FSA use when it is part of a treatment plan for a diagnosed medical condition. In these situations, your healthcare provider must determine that structured physical activity plays a role in your care, and should provide an LMN to you indicating how a gym membership will help.
Here are some common medical conditions that may make a gym membership HSA/FSA eligible if they apply to you:
Obesity: Exercise may be prescribed as part of a weight management plan tied to a clinical diagnosis
Type 2 diabetes or Prediabetes: Regular physical activity often supports blood sugar control as part of treatment
Hypertension (high blood pressure): Providers may recommend supervised exercise to help manage blood pressure levels
Cardiovascular disease: Cardiac rehabilitation or structured fitness programs may qualify when medically directed
Arthritis or joint disorders: Low-impact exercise can help reduce pain, stiffness, and loss of mobility
Chronic back pain or musculoskeletal conditions: Strength training and guided movement may support recovery or symptom management
Depression or anxiety: In some cases, exercise may be prescribed as part of a broader mental health treatment plan
Not every diagnosis guarantees eligibility. Approval depends on how clearly your provider connects the gym membership to treatment for your condition. Vague recommendations like “exercise more” usually don’t meet the standard.
If your provider recommends exercise at home or outdoors instead of a gym, the membership may not qualify. The IRS generally looks for a clear reason why access to gym equipment, classes, or supervised facilities is necessary.
Once you understand whether your condition may qualify, the next step is figuring out how to actually pay for a gym membership with your HSA or FSA. That process looks different depending on whether you pay upfront or request reimbursement later.
A gym membership can qualify for HSA or FSA use when it is part of a treatment plan for a diagnosed medical condition. In these situations, your healthcare provider must determine that structured physical activity plays a role in your care, and should provide an LMN to you indicating how a gym membership will help.
Here are some common medical conditions that may make a gym membership HSA/FSA eligible if they apply to you:
Obesity: Exercise may be prescribed as part of a weight management plan tied to a clinical diagnosis
Type 2 diabetes or Prediabetes: Regular physical activity often supports blood sugar control as part of treatment
Hypertension (high blood pressure): Providers may recommend supervised exercise to help manage blood pressure levels
Cardiovascular disease: Cardiac rehabilitation or structured fitness programs may qualify when medically directed
Arthritis or joint disorders: Low-impact exercise can help reduce pain, stiffness, and loss of mobility
Chronic back pain or musculoskeletal conditions: Strength training and guided movement may support recovery or symptom management
Depression or anxiety: In some cases, exercise may be prescribed as part of a broader mental health treatment plan
Not every diagnosis guarantees eligibility. Approval depends on how clearly your provider connects the gym membership to treatment for your condition. Vague recommendations like “exercise more” usually don’t meet the standard.
If your provider recommends exercise at home or outdoors instead of a gym, the membership may not qualify. The IRS generally looks for a clear reason why access to gym equipment, classes, or supervised facilities is necessary.
Once you understand whether your condition may qualify, the next step is figuring out how to actually pay for a gym membership with your HSA or FSA. That process looks different depending on whether you pay upfront or request reimbursement later.
A gym membership can qualify for HSA or FSA use when it is part of a treatment plan for a diagnosed medical condition. In these situations, your healthcare provider must determine that structured physical activity plays a role in your care, and should provide an LMN to you indicating how a gym membership will help.
Here are some common medical conditions that may make a gym membership HSA/FSA eligible if they apply to you:
Obesity: Exercise may be prescribed as part of a weight management plan tied to a clinical diagnosis
Type 2 diabetes or Prediabetes: Regular physical activity often supports blood sugar control as part of treatment
Hypertension (high blood pressure): Providers may recommend supervised exercise to help manage blood pressure levels
Cardiovascular disease: Cardiac rehabilitation or structured fitness programs may qualify when medically directed
Arthritis or joint disorders: Low-impact exercise can help reduce pain, stiffness, and loss of mobility
Chronic back pain or musculoskeletal conditions: Strength training and guided movement may support recovery or symptom management
Depression or anxiety: In some cases, exercise may be prescribed as part of a broader mental health treatment plan
Not every diagnosis guarantees eligibility. Approval depends on how clearly your provider connects the gym membership to treatment for your condition. Vague recommendations like “exercise more” usually don’t meet the standard.
If your provider recommends exercise at home or outdoors instead of a gym, the membership may not qualify. The IRS generally looks for a clear reason why access to gym equipment, classes, or supervised facilities is necessary.
Once you understand whether your condition may qualify, the next step is figuring out how to actually pay for a gym membership with your HSA or FSA. That process looks different depending on whether you pay upfront or request reimbursement later.
How to buy a gym membership using your HSA or FSA funds
Once you know a gym membership can qualify for your situation, you need to make sure you follow the correct procedure so that any purchase you make isn’t disqualified. Here’s how to do it:
1. Request your Letter of Medical Necessity
You want to make sure you get your Letter of Medical Necessity before you make any purchase—especially for a monthly or yearly gym membership—as any payments made before you have the LMN may not be eligible.
The easiest and most efficient way to get an LMN for a gym membership is to request one directly at checkout when you’re signing up. With gyms featured in the Flex Marketplace, you can complete a quick, digital consultation in just a couple minutes.
By completing the consultation at checkout, you ensure that the LMN is specific to the exact product you’re looking to buy. You don’t have to double check whether the LMN you have works for your situation, as it’s been issued based on the information you provided for this exact product.
If you don’t want to get your Letter of Medical Necessity online and immediately, you can also make an appointment with your healthcare provider, and get your LMN in person. Just make sure you don’t buy your gym membership before getting the LMN.
If you want to avoid that extra friction, shopping through the Flex Marketplace helps you get your Letter of Medical Necessity within minutes. Search through a centralized storefront to find eligible gym memberships and wellness services, some of which you can even buy using your HSA or FSA funds right away.
2. Make your gym membership purchase
Once you have your LMN, you can make the purchase. Some gyms may offer you the option to pay directly using your HSA/FSA card, but you’d have to check with your gym to see if that’s an option. This is typically more common for digital gym memberships that have HSA/FSA payments enabled on their website, and not common at in-person gyms.
Purchase the gym membership that fits the criteria outlined in your LMN, and then pay for the membership.
If you’re eligible, you can even sometimes purchase the gym membership using your HSA/FSA card. For example, Ladder Health & Equinox have partnered with Flex to make it easier for their customers to purchase a gym membership using their HSA/FSA card—right at checkout!
3. Submit the gym membership for HSA/FSA reimbursement
Save your receipts, and submit the gym membership to your HSA/FSA provider for reimbursement using their system, and make sure you include the documentation in your LMN so it won’t be rejected.
Now that you know how to pay, the final step is knowing where to find gym memberships that work with your benefits. The next section walks through HSA and FSA approved gym memberships you can buy directly using your plan.
Once you know a gym membership can qualify for your situation, you need to make sure you follow the correct procedure so that any purchase you make isn’t disqualified. Here’s how to do it:
1. Request your Letter of Medical Necessity
You want to make sure you get your Letter of Medical Necessity before you make any purchase—especially for a monthly or yearly gym membership—as any payments made before you have the LMN may not be eligible.
The easiest and most efficient way to get an LMN for a gym membership is to request one directly at checkout when you’re signing up. With gyms featured in the Flex Marketplace, you can complete a quick, digital consultation in just a couple minutes.
By completing the consultation at checkout, you ensure that the LMN is specific to the exact product you’re looking to buy. You don’t have to double check whether the LMN you have works for your situation, as it’s been issued based on the information you provided for this exact product.
If you don’t want to get your Letter of Medical Necessity online and immediately, you can also make an appointment with your healthcare provider, and get your LMN in person. Just make sure you don’t buy your gym membership before getting the LMN.
If you want to avoid that extra friction, shopping through the Flex Marketplace helps you get your Letter of Medical Necessity within minutes. Search through a centralized storefront to find eligible gym memberships and wellness services, some of which you can even buy using your HSA or FSA funds right away.
2. Make your gym membership purchase
Once you have your LMN, you can make the purchase. Some gyms may offer you the option to pay directly using your HSA/FSA card, but you’d have to check with your gym to see if that’s an option. This is typically more common for digital gym memberships that have HSA/FSA payments enabled on their website, and not common at in-person gyms.
Purchase the gym membership that fits the criteria outlined in your LMN, and then pay for the membership.
If you’re eligible, you can even sometimes purchase the gym membership using your HSA/FSA card. For example, Ladder Health & Equinox have partnered with Flex to make it easier for their customers to purchase a gym membership using their HSA/FSA card—right at checkout!
3. Submit the gym membership for HSA/FSA reimbursement
Save your receipts, and submit the gym membership to your HSA/FSA provider for reimbursement using their system, and make sure you include the documentation in your LMN so it won’t be rejected.
Now that you know how to pay, the final step is knowing where to find gym memberships that work with your benefits. The next section walks through HSA and FSA approved gym memberships you can buy directly using your plan.
Once you know a gym membership can qualify for your situation, you need to make sure you follow the correct procedure so that any purchase you make isn’t disqualified. Here’s how to do it:
1. Request your Letter of Medical Necessity
You want to make sure you get your Letter of Medical Necessity before you make any purchase—especially for a monthly or yearly gym membership—as any payments made before you have the LMN may not be eligible.
The easiest and most efficient way to get an LMN for a gym membership is to request one directly at checkout when you’re signing up. With gyms featured in the Flex Marketplace, you can complete a quick, digital consultation in just a couple minutes.
By completing the consultation at checkout, you ensure that the LMN is specific to the exact product you’re looking to buy. You don’t have to double check whether the LMN you have works for your situation, as it’s been issued based on the information you provided for this exact product.
If you don’t want to get your Letter of Medical Necessity online and immediately, you can also make an appointment with your healthcare provider, and get your LMN in person. Just make sure you don’t buy your gym membership before getting the LMN.
If you want to avoid that extra friction, shopping through the Flex Marketplace helps you get your Letter of Medical Necessity within minutes. Search through a centralized storefront to find eligible gym memberships and wellness services, some of which you can even buy using your HSA or FSA funds right away.
2. Make your gym membership purchase
Once you have your LMN, you can make the purchase. Some gyms may offer you the option to pay directly using your HSA/FSA card, but you’d have to check with your gym to see if that’s an option. This is typically more common for digital gym memberships that have HSA/FSA payments enabled on their website, and not common at in-person gyms.
Purchase the gym membership that fits the criteria outlined in your LMN, and then pay for the membership.
If you’re eligible, you can even sometimes purchase the gym membership using your HSA/FSA card. For example, Ladder Health & Equinox have partnered with Flex to make it easier for their customers to purchase a gym membership using their HSA/FSA card—right at checkout!
3. Submit the gym membership for HSA/FSA reimbursement
Save your receipts, and submit the gym membership to your HSA/FSA provider for reimbursement using their system, and make sure you include the documentation in your LMN so it won’t be rejected.
Now that you know how to pay, the final step is knowing where to find gym memberships that work with your benefits. The next section walks through HSA and FSA approved gym memberships you can buy directly using your plan.
Top 17 HSA/FSA eligible gym memberships you can purchase
Finding a gym membership that works with your HSA or FSA can feel frustrating, especially when eligibility depends on medical documentation and payment setup. The gyms below are commonly available through platforms that support HSA and FSA spending when medical criteria are met, often with a Letter of Medical Necessity.
These gyms span traditional fitness centers, boutique studios, and specialized training facilities. Availability for direct HSA or FSA payment depends on how and where you purchase the membership, which is why centralized shopping tools matter.
Gym | Description |
108 locations in the US | Try Equinox—where luxury meets fitness and health. An all-in-one membership gets you access to everything you need to upgrade every aspect of your health. From a gym, to fitness classes, to coaching, and more. You can even pay for your membership online using your HSA/FSA funds! |
Can be done from anywhere! | Ladder Health provides coach-led strength training programs through a guided mobile app. The structured workouts and progressive programming can support provider-recommended exercise plans for weight or musculoskeletal conditions when paired with a Letter of Medical Necessity and purchased through an eligible platform. |
5,500+ locations in over 30 countries | Anytime Fitness offers 24/7 access, which can be important when a provider recommends frequent or time-specific exercise. This flexibility can support treatment adherence, especially for people managing chronic conditions alongside work schedules. |
800+ locations worldwide | HOTWORX offers infrared heat workouts that blend isometric exercises with controlled heat exposure. In some cases, providers may recommend this type of environment to support joint mobility, muscle recovery, or circulation. The specialized equipment and setting can play a role in eligibility when documented correctly. |
Over 600 locations worldwide | Gold’s Gym is known for strength training and resistance-focused facilities. Providers may recommend this type of environment for muscle strengthening, rehabilitation support, or weight-related conditions. Access to a wide range of equipment helps meet targeted exercise goals. |
Over 500 Clubs in North America, Europe, and Australia | Crunch Fitness provides access to a wide range of cardio machines, strength equipment, and group fitness classes. This variety makes it easier for a healthcare provider to prescribe specific types of exercise, such as resistance training or low-impact cardio. The availability of guided classes can strengthen the medical justification when paired with an LMN. |
Over 240 Clubs in 9 US states | 24 Hour Fitness gives members flexible access to cardio, strength, and group fitness options. This can be useful when a provider recommends regular, ongoing exercise at specific frequencies. The ability to tailor workouts to medical guidance helps support eligibility with proper documentation. |
109 locations in 29 states | CycleBar offers coach-led indoor cycling classes designed to improve cardiovascular health and endurance. For individuals managing obesity, hypertension, or metabolic conditions, this type of supervised cardio environment may be recommended as part of a medical plan. The structured schedule and performance tracking can also support provider-directed fitness goals. |
More than 60 Clubs in 7 states | VASA Fitness offers full-service gyms with cardio equipment, strength training, and group fitness classes. This range of options can support provider-directed exercise plans for weight management, cardiovascular health, or mobility concerns. |
59 locations across 4 states | Blink Fitness emphasizes a clean, approachable gym environment with essential cardio and strength equipment. For individuals following a straightforward exercise prescription for weight management or blood pressure control, this simplicity can align well with provider recommendations. |
2 locations in North Carolina | Fitness Unlimited offers regional gym access with structured classes and training options. These features can support medically guided exercise plans when documentation clearly links the membership to treatment. |
Tucson, Arizona | World Gym Tucson provides a traditional gym setting with strength and conditioning equipment. When exercise is prescribed as part of treatment, local gyms like this may qualify if the membership is purchased through an HSA- or FSA-supported platform and backed by an LMN. |
Haverhill, MA | Cedardale Health + Fitness combines fitness facilities with wellness-focused programming. This holistic approach can align with medical recommendations that emphasize consistent physical activity as part of long-term condition management. |
Middle Village, New York | The CircHIIT specializes in high-intensity interval training within a coached group environment. HIIT-style workouts may be recommended for certain cardiovascular or metabolic conditions under medical supervision. The emphasis on programming and instruction helps distinguish these sessions from general gym access. |
El Paso, Texas | Just Play Fitness focuses on guided training and movement programs. For individuals prescribed supervised or structured activity, this type of facility may fit within HSA or FSA guidelines when supported by an LMN. |
Dodge City, KS | WIT Athletics delivers performance-based and CrossFit-style training in a coached environment. When high-intensity or functional training is recommended for a specific condition, the structured programming can help support eligibility. |
Hwy Stuart, Florida | ZT’s Fitness Studio provides boutique training with a focus on personalized workouts. This type of setting may be appropriate when a provider recommends targeted exercise under guidance rather than open gym access. |
While these gyms may qualify with proper documentation, many do not accept HSA or FSA cards directly at their own checkout. Using the Flex Marketplace simplifies the process by giving you one place to find eligible gym memberships and complete a consultation to get your Letter of Medical Necessity right away. This helps you reduce guesswork, and avoid your gym membership not being HSA/FSA eligible.
In summary
Gym memberships can qualify for HSA and FSA spending, but only when they are tied to a diagnosed medical condition, and connected directly to a treatment plan outlined in a Letter of Medical Necessity.
Browsing for gyms in the Flex Marketplace makes this process easier, because you’re 2 clicks away from a consultation with a real healthcare practitioner that can work with you to see if you are eligible to use your HSA/FSA for a gym membership.
If you have HSA or FSA funds sitting unused, fitness may be a smart place to put them when exercise supports your health plan. With the documentation and the right place to shop, your gym membership can fit neatly into your benefits strategy and help you get full value from your account.
Finding a gym membership that works with your HSA or FSA can feel frustrating, especially when eligibility depends on medical documentation and payment setup. The gyms below are commonly available through platforms that support HSA and FSA spending when medical criteria are met, often with a Letter of Medical Necessity.
These gyms span traditional fitness centers, boutique studios, and specialized training facilities. Availability for direct HSA or FSA payment depends on how and where you purchase the membership, which is why centralized shopping tools matter.
Gym | Description |
108 locations in the US | Try Equinox—where luxury meets fitness and health. An all-in-one membership gets you access to everything you need to upgrade every aspect of your health. From a gym, to fitness classes, to coaching, and more. You can even pay for your membership online using your HSA/FSA funds! |
Can be done from anywhere! | Ladder Health provides coach-led strength training programs through a guided mobile app. The structured workouts and progressive programming can support provider-recommended exercise plans for weight or musculoskeletal conditions when paired with a Letter of Medical Necessity and purchased through an eligible platform. |
5,500+ locations in over 30 countries | Anytime Fitness offers 24/7 access, which can be important when a provider recommends frequent or time-specific exercise. This flexibility can support treatment adherence, especially for people managing chronic conditions alongside work schedules. |
800+ locations worldwide | HOTWORX offers infrared heat workouts that blend isometric exercises with controlled heat exposure. In some cases, providers may recommend this type of environment to support joint mobility, muscle recovery, or circulation. The specialized equipment and setting can play a role in eligibility when documented correctly. |
Over 600 locations worldwide | Gold’s Gym is known for strength training and resistance-focused facilities. Providers may recommend this type of environment for muscle strengthening, rehabilitation support, or weight-related conditions. Access to a wide range of equipment helps meet targeted exercise goals. |
Over 500 Clubs in North America, Europe, and Australia | Crunch Fitness provides access to a wide range of cardio machines, strength equipment, and group fitness classes. This variety makes it easier for a healthcare provider to prescribe specific types of exercise, such as resistance training or low-impact cardio. The availability of guided classes can strengthen the medical justification when paired with an LMN. |
Over 240 Clubs in 9 US states | 24 Hour Fitness gives members flexible access to cardio, strength, and group fitness options. This can be useful when a provider recommends regular, ongoing exercise at specific frequencies. The ability to tailor workouts to medical guidance helps support eligibility with proper documentation. |
109 locations in 29 states | CycleBar offers coach-led indoor cycling classes designed to improve cardiovascular health and endurance. For individuals managing obesity, hypertension, or metabolic conditions, this type of supervised cardio environment may be recommended as part of a medical plan. The structured schedule and performance tracking can also support provider-directed fitness goals. |
More than 60 Clubs in 7 states | VASA Fitness offers full-service gyms with cardio equipment, strength training, and group fitness classes. This range of options can support provider-directed exercise plans for weight management, cardiovascular health, or mobility concerns. |
59 locations across 4 states | Blink Fitness emphasizes a clean, approachable gym environment with essential cardio and strength equipment. For individuals following a straightforward exercise prescription for weight management or blood pressure control, this simplicity can align well with provider recommendations. |
2 locations in North Carolina | Fitness Unlimited offers regional gym access with structured classes and training options. These features can support medically guided exercise plans when documentation clearly links the membership to treatment. |
Tucson, Arizona | World Gym Tucson provides a traditional gym setting with strength and conditioning equipment. When exercise is prescribed as part of treatment, local gyms like this may qualify if the membership is purchased through an HSA- or FSA-supported platform and backed by an LMN. |
Haverhill, MA | Cedardale Health + Fitness combines fitness facilities with wellness-focused programming. This holistic approach can align with medical recommendations that emphasize consistent physical activity as part of long-term condition management. |
Middle Village, New York | The CircHIIT specializes in high-intensity interval training within a coached group environment. HIIT-style workouts may be recommended for certain cardiovascular or metabolic conditions under medical supervision. The emphasis on programming and instruction helps distinguish these sessions from general gym access. |
El Paso, Texas | Just Play Fitness focuses on guided training and movement programs. For individuals prescribed supervised or structured activity, this type of facility may fit within HSA or FSA guidelines when supported by an LMN. |
Dodge City, KS | WIT Athletics delivers performance-based and CrossFit-style training in a coached environment. When high-intensity or functional training is recommended for a specific condition, the structured programming can help support eligibility. |
Hwy Stuart, Florida | ZT’s Fitness Studio provides boutique training with a focus on personalized workouts. This type of setting may be appropriate when a provider recommends targeted exercise under guidance rather than open gym access. |
While these gyms may qualify with proper documentation, many do not accept HSA or FSA cards directly at their own checkout. Using the Flex Marketplace simplifies the process by giving you one place to find eligible gym memberships and complete a consultation to get your Letter of Medical Necessity right away. This helps you reduce guesswork, and avoid your gym membership not being HSA/FSA eligible.
In summary
Gym memberships can qualify for HSA and FSA spending, but only when they are tied to a diagnosed medical condition, and connected directly to a treatment plan outlined in a Letter of Medical Necessity.
Browsing for gyms in the Flex Marketplace makes this process easier, because you’re 2 clicks away from a consultation with a real healthcare practitioner that can work with you to see if you are eligible to use your HSA/FSA for a gym membership.
If you have HSA or FSA funds sitting unused, fitness may be a smart place to put them when exercise supports your health plan. With the documentation and the right place to shop, your gym membership can fit neatly into your benefits strategy and help you get full value from your account.
Finding a gym membership that works with your HSA or FSA can feel frustrating, especially when eligibility depends on medical documentation and payment setup. The gyms below are commonly available through platforms that support HSA and FSA spending when medical criteria are met, often with a Letter of Medical Necessity.
These gyms span traditional fitness centers, boutique studios, and specialized training facilities. Availability for direct HSA or FSA payment depends on how and where you purchase the membership, which is why centralized shopping tools matter.
Gym | Description |
108 locations in the US | Try Equinox—where luxury meets fitness and health. An all-in-one membership gets you access to everything you need to upgrade every aspect of your health. From a gym, to fitness classes, to coaching, and more. You can even pay for your membership online using your HSA/FSA funds! |
Can be done from anywhere! | Ladder Health provides coach-led strength training programs through a guided mobile app. The structured workouts and progressive programming can support provider-recommended exercise plans for weight or musculoskeletal conditions when paired with a Letter of Medical Necessity and purchased through an eligible platform. |
5,500+ locations in over 30 countries | Anytime Fitness offers 24/7 access, which can be important when a provider recommends frequent or time-specific exercise. This flexibility can support treatment adherence, especially for people managing chronic conditions alongside work schedules. |
800+ locations worldwide | HOTWORX offers infrared heat workouts that blend isometric exercises with controlled heat exposure. In some cases, providers may recommend this type of environment to support joint mobility, muscle recovery, or circulation. The specialized equipment and setting can play a role in eligibility when documented correctly. |
Over 600 locations worldwide | Gold’s Gym is known for strength training and resistance-focused facilities. Providers may recommend this type of environment for muscle strengthening, rehabilitation support, or weight-related conditions. Access to a wide range of equipment helps meet targeted exercise goals. |
Over 500 Clubs in North America, Europe, and Australia | Crunch Fitness provides access to a wide range of cardio machines, strength equipment, and group fitness classes. This variety makes it easier for a healthcare provider to prescribe specific types of exercise, such as resistance training or low-impact cardio. The availability of guided classes can strengthen the medical justification when paired with an LMN. |
Over 240 Clubs in 9 US states | 24 Hour Fitness gives members flexible access to cardio, strength, and group fitness options. This can be useful when a provider recommends regular, ongoing exercise at specific frequencies. The ability to tailor workouts to medical guidance helps support eligibility with proper documentation. |
109 locations in 29 states | CycleBar offers coach-led indoor cycling classes designed to improve cardiovascular health and endurance. For individuals managing obesity, hypertension, or metabolic conditions, this type of supervised cardio environment may be recommended as part of a medical plan. The structured schedule and performance tracking can also support provider-directed fitness goals. |
More than 60 Clubs in 7 states | VASA Fitness offers full-service gyms with cardio equipment, strength training, and group fitness classes. This range of options can support provider-directed exercise plans for weight management, cardiovascular health, or mobility concerns. |
59 locations across 4 states | Blink Fitness emphasizes a clean, approachable gym environment with essential cardio and strength equipment. For individuals following a straightforward exercise prescription for weight management or blood pressure control, this simplicity can align well with provider recommendations. |
2 locations in North Carolina | Fitness Unlimited offers regional gym access with structured classes and training options. These features can support medically guided exercise plans when documentation clearly links the membership to treatment. |
Tucson, Arizona | World Gym Tucson provides a traditional gym setting with strength and conditioning equipment. When exercise is prescribed as part of treatment, local gyms like this may qualify if the membership is purchased through an HSA- or FSA-supported platform and backed by an LMN. |
Haverhill, MA | Cedardale Health + Fitness combines fitness facilities with wellness-focused programming. This holistic approach can align with medical recommendations that emphasize consistent physical activity as part of long-term condition management. |
Middle Village, New York | The CircHIIT specializes in high-intensity interval training within a coached group environment. HIIT-style workouts may be recommended for certain cardiovascular or metabolic conditions under medical supervision. The emphasis on programming and instruction helps distinguish these sessions from general gym access. |
El Paso, Texas | Just Play Fitness focuses on guided training and movement programs. For individuals prescribed supervised or structured activity, this type of facility may fit within HSA or FSA guidelines when supported by an LMN. |
Dodge City, KS | WIT Athletics delivers performance-based and CrossFit-style training in a coached environment. When high-intensity or functional training is recommended for a specific condition, the structured programming can help support eligibility. |
Hwy Stuart, Florida | ZT’s Fitness Studio provides boutique training with a focus on personalized workouts. This type of setting may be appropriate when a provider recommends targeted exercise under guidance rather than open gym access. |
While these gyms may qualify with proper documentation, many do not accept HSA or FSA cards directly at their own checkout. Using the Flex Marketplace simplifies the process by giving you one place to find eligible gym memberships and complete a consultation to get your Letter of Medical Necessity right away. This helps you reduce guesswork, and avoid your gym membership not being HSA/FSA eligible.
In summary
Gym memberships can qualify for HSA and FSA spending, but only when they are tied to a diagnosed medical condition, and connected directly to a treatment plan outlined in a Letter of Medical Necessity.
Browsing for gyms in the Flex Marketplace makes this process easier, because you’re 2 clicks away from a consultation with a real healthcare practitioner that can work with you to see if you are eligible to use your HSA/FSA for a gym membership.
If you have HSA or FSA funds sitting unused, fitness may be a smart place to put them when exercise supports your health plan. With the documentation and the right place to shop, your gym membership can fit neatly into your benefits strategy and help you get full value from your account.
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