Are Fitness Trackers HSA/FSA Eligible? Everything You Need to Know.

HSAs (Health Savings Accounts) and FSAs (Flexible Spending Accounts) let you set aside pre-tax money for qualified medical expenses. The IRS allows these funds to be used for items that help treat, mitigate, or prevent a disease or health condition.

Many fitness trackers sit in a category of products, alongside things like fitness equipment and recovery tools, that isn't eligible by default but can become a compliant medical expense with the right supporting documentation: a Letter of Medical Necessity (LMN). An LMN is a document from an independent licensed clinician that certifies a product is a necessary medical intervention for a specific health condition. The key is that it must make the case that the item you want to purchase helps prevent, treat, or mitigate the specific diagnosis you're looking to address, not that it's simply good for your general health.

This distinction matters. The IRS is explicit that expenses "merely beneficial to general health" do not qualify. A fitness tracker bought because you think it would be generally good for you to hit 10,000 steps a day is not typically eligible. However, that same tracker, purchased because an independent licensed clinician has determined it's medically appropriate for managing a diagnosed condition, may be eligible for qualified customers.

This matters because the data a modern wearable captures, like heart rate, heart rate variability, sleep stages, blood oxygen, activity, and more, can play a real role in monitoring and managing diagnosed conditions over time, giving you and your healthcare provider objective information to act on.

Now that you understand how an LMN can help unlock HSA or FSA spending on certain fitness trackers when the purchase is connected to a qualified medical need, let me throw a quick wrench at you: some health trackers are essentially pre-approved for HSA/FSA spending.

A product is pre-approved when its category already meets established regulatory standards for medical care, meaning customers can pay with their HSA or FSA card directly without additional clinical review.

A handful of wearables featured on the Truemed marketplace are positioned as eligible medical expenses without requiring an LMN, because the device's core function is continuous physiological and health monitoring rather than general fitness tracking. Two of the best-known examples are Oura and WHOOP:

• Oura: Most items on the Oura store, including the ring, Oura Membership, charger, shipping, and taxes, can typically be purchased with HSA/FSA funds without additional documentation like an LMN. You can use an HSA/FSA card directly at checkout or pay out of pocket and submit your receipt for reimbursement.
• WHOOP: WHOOP's annual membership is treated as HSA/FSA eligible because it provides detailed physiological monitoring for health management. You can use your HSA/FSA card at certified retailers, or pay with a regular card and submit for reimbursement through your provider.

One important caveat: "pre-approved" doesn't mean guaranteed. Always check with your plan administrator if you have any questions about HSA or FSA eligibility for a particular product.

Because HSA and FSA accounts use pre-tax dollars, you're effectively buying with money that hasn't been taxed yet. For qualified customers, that typically translates to average savings of around 30%*, though the exact amount depends on your tax bracket and state rules.

Put simply: a $400 fitness tracker purchase made with pre-tax dollars may effectively cost you closer to $280, if you qualify to spend your HSA/FSA dollars on the purchase. You're not getting a discount on the product; you're avoiding the income tax you'd otherwise pay on the money used to buy it.

*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

Truemed partners with top brands to make checking out with HSA/FSA on fitness trackers seamless for qualified customers. Here's what to expect when paying with HSA/FSA at Truemed partner brands:

• Explore the Truemed marketplace to see which health tech and fitness tracker brands may be HSA/FSA eligible.
• Select your desired brand, choose "shop now" to go to their website, and add the desired product to cart.
• At checkout, find the Truemed logo and select "Truemed — Pay with HSA/FSA" as your payment method. (For some partners, like Garmin, you complete your purchase first and then access the Truemed survey from your order confirmation — follow the on-site instructions.)
• Complete a private health survey within the checkout flow for review by an independent licensed clinician — no in-person visit required.
• Complete your purchase either with your HSA/FSA card or with a regular debit or credit card and submit for HSA/FSA reimbursement later.
• If qualified, the independent licensed clinician who reviewed your health intake survey will issue a Letter of Medical Necessity, confirming the eligibility of the purchase.

If you don't have enough HSA/FSA funds to cover the full cart, you can split the payment between your HSA/FSA card and a regular card. Learn more about split payments over on the Truemed help center.

If you're ready to put your pre-tax dollars toward better health monitoring, these fitness tracker and wearable brands all support HSA/FSA spending for qualified customers through Truemed.

Garmin products have revolutionized the fitness and health industries. With battery life that can last for weeks and an extensive suite of health monitoring features, Garmin’s extensive suite of products help people of all activity levels monitor their health.

WHOOP helps customers take control of their long-term health by helping people understand how their daily habits shape aging and longevity, monitor key vitals, pinpoint stressors, and tap into science-backed ways to extend their prime.

Oura helps users stay in tune with their bodies by providing a holistic view of their daily health.

COROS is on a mission to help people at every level achieve their goals with precise health data and actionable health insights.

Amazfit makes feature-rich smartwatches and fitness trackers that monitor heart rate, sleep, activity, and more.