Is WHOOP HSA/FSA Eligible?

Yes, WHOOP is pre-approved for HSA/FSA spending which means you can pay for the WHOOP membership, hardware, accessories, and Advanced Labs testing directly with your HSA or FSA card at checkout on whoop.com or at certified retailers like Amazon and Walmart. If you pay with a personal card instead, you can submit your itemized receipt for reimbursement.

Let’s dive into what makes WHOOP HSA/FSA eligible, why it makes sense to pay with pre-tax healthcare dollars instead of out of pocket, and how exactly to do it, if qualified.

WHOOP continuously tracks metrics tied to real health outcomes, like heart rate variability, resting heart rate, respiratory rate, sleep stages, and strain. That kind of continuous physiological monitoring is what makes WHOOP a pre-approved HSA/FSA expense rather than a general wellness.

If WHOOP were more of a general fitness tracker, it would likely require additional documentation, often a Letter of Medical Necessity (LMN), to certify it’s eligibility. However, since WHOOP’s primary purpose is medical, it is a pre-approved expense.

WHOOP has been shown to positively impact several health categories, including cardiovascular health and sleep health.

Specific features driving that health value include:

• Recovery tracking: WHOOP measures heart rate variability, resting heart rate, sleep, and respiratory rate to generate a daily recovery score.
• Sleep insights: A nightly sleep score and sleep planner help you understand how much rest your body actually needs.
• Strain monitoring: WHOOP quantifies cardiovascular and muscular exertion so you can balance training load against recovery.
• Healthspan and Pace of Aging (WHOOP Peak and Life): Longevity-focused metrics that translate daily habits into long-term health trends.
• Heart Screener and AFib detection (WHOOP MG, included with WHOOP Life): On-demand ECG readings and irregular heart rhythm notifications.
• Stress and blood pressure insights: Real-time stress monitoring and blood pressure trends.
• Advanced Labs: Clinician-reviewed bloodwork on 65 biomarkers, connected to your day-to-day WHOOP data for a fuller picture of long-term health.

• WHOOP month-to-month and 12-month membership tiers (WHOOP One, Peak, and Life)
• Hardware bundled with membership, including WHOOP 4.0, 5.0, and MG devices
• Accessories: the 4.0 Wireless Battery Pack, 5.0 Basic Charger, and 5.0 Wireless PowerPack
• WHOOP Advanced Labs subscriptions and biomarker testing panels

There are a few different ways to purchase WHOOP with your HSA or FSA card.

The first, and probably the simplest, is to add your desired products to cart on whoop.com and then select the “Truemed - Pay with HSA/FSA” payment option to pay directly with your HSA or FSA card. Since everything WHOOP sells is pre-approved and WHOOP’s checkout is build to accept HSA and FSA cards seamlessly and compliantly, there are no additional steps.

Another option is to choose an authorized online retailer that accepts HSA/FSA payment directly, like Amazon. This process works the same as paying with your HSA/FSA card on whoop.com except it happens on the Amazon marketplace instead. One thing to watch out for is that you’re actually purchasing from the official WHOOP Amazon storefront and not a resale listing.

A third option is to pay with your regular credit or debit card and reimburse yourself later from your HSA or FSA account. This avenue might make sense for people who prefer to track all of their expenses in one place instead of splitting across different card types or perhaps people who do not have physical HSA or FSA cards. Additionally, going the reimbursement route allows you to purchase your WHOOP products from in-person authorized retailers who are not set up to accept HSA/FSA cards directly, like Dicks’, Best Buy, and other big box stores. Check out WHOOP’s store locator to explore physical stores near you that carry WHOOP.

Remember, if you choose to go the reimbursement route, it’s extremely important to save your itemized receipt and the UPC code which is available at orderstatus.whoop.com or in payment history within the WHOOP app. This is the documentation you’ll need to submit both to your plan administrator in order to get reimbursed.

Plan rules vary so be sure to check with your individual HSA or FSA provider to make sure WHOOP expenses are accepted.

No, WHOOP's month-to-month and 12-month membership subscriptions, including the bundled WHOOP 4.0, 5.0, and MG hardware, the 4.0 Wireless Battery Pack, 5.0 Basic Charger, 5.0 Wireless PowerPack, and WHOOP Advanced Labs, are all pre-approved as HSA/FSA eligible expenses. No health survey, clinician review, or LMN is required for any of it. When you pay with the HSA/FSA option at whoop.com checkout, Truemed is simply facilitating the payment, not reviewing the purchase for medical necessity.

However, if you’re interested in continuing to invest in your health, you may run into products and services that are not pre-approved for HSA/FSA spending. Health products that fall into this category are called “dual-use,” which means they have both a medical and a general wellness use. Dual-use products include things like red light therapy panels, creatine supplements, and certain mattresses.

Truemed helps facilitate the qualification process for these dual-use products by embedding the health intake survey directly into checkout at thousands of brands like HigherDOSE, Thorne, and Purple. Here’s how it works:

• First, you can check whether a product or service is normally considered a qualifying medical expense or whether you might need an LMN.
• Complete a health intake survey that will be reviewed by an independent licensed clinician.
• Buy the item; either pay directly with your HSA/FSA card at checkout, or pay with a regular credit/debit card and seek HSA/FSA reimbursement afterward.
• The independent licensed clinician will review your medical history, and if you qualify, will issue an LMN. Truemed itself does not make eligibility determinations.

Truemed also offers support in the event you get a denial of reimbursement and need to provide substantiation documentation.

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

Checklist

[ ] You have enough HSA/FSA balance to cover the full cost

[ ] You've selected the HSA/FSA payment option at checkout if you want to pay with your card directly

[ ] You've saved your electronic receipt and UPC code, in case you need to reimburse yourself instead

[ ] You can provide documentation, if your plan administrator asks