Obesity Treatment Options That Are HSA/FSA Eligible

Publish Date:

May 01, 2025

Eligible Products

Obesity Treatment Options That Are HSA/FSA Eligible

Obesity is a growing health concern in the United States, affecting over 40% of adults according to the CDC. It’s more than just a cosmetic issue—obesity significantly increases the risk of chronic conditions such as heart disease, type 2 diabetes, stroke, and certain cancers. Fortunately, modern treatment approaches have expanded to include medically recognized lifestyle interventions, many of which can be supported through tax-advantaged HSA and FSA accounts.

That’s where Truemed comes in. Many of the most effective tools for treating obesity may be eligible for purchase using Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). That means you can use pre-tax dollars to support your weight loss goals.

Understanding Obesity as a Medical Condition

Obesity is classified as a chronic disease by both the American Medical Association and the World Health Organization. It results from a combination of genetic, behavioral, and environmental factors and typically requires ongoing management. While medications and surgery are options for some individuals, lifestyle interventions like structured exercise and guided fitness programs remain foundational treatments with strong clinical backing.

How HSA/FSA Spending Supports Obesity Treatment

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are designed to help individuals pay for medical expenses using pre-tax income. What many people don’t realize is that these funds can be applied not only to doctor visits and prescriptions but also to medically supported wellness products, including certain types of exercise equipment and fitness apps—if they’re used to treat a medical condition like obesity.

That’s the key: the product must be used for a qualified medical purpose. And that’s exactly what Truemed verifies and simplifies for consumers.

HSA/FSA-Eligible Obesity Treatment Options

1. App-Based Fitness Guides

Fitness apps that offer structured programs, coaching, or medical-grade exercise plans can qualify for HSA/FSA spending when used for a diagnosed condition. These tools offer flexibility, accountability, and expert guidance—helping individuals stick to routines proven to support weight loss and cardiovascular health.

Future – Personal training with a dedicated coach who guides and adjusts your fitness plan

Centr Fitness – Holistic fitness with strength, cardio, and meal plans

Jillian Michaels: The Fitness App – Personalized training backed by decades of success

F45 Training, Burn Boot Camp, and Barry’s – Studio-based, high-effort programs that deliver results

24 Hour Fitness, Anytime Fitness, Gold’s Gym, and Equinox – Trusted gyms that provide flexible, full-body fitness access

2. Cardiovascular Exercise Equipment

Cardio machines provide a reliable, at-home solution for burning calories and improving heart health. Using them regularly can contribute significantly to weight loss, blood pressure reduction, and increased metabolic rate.

3. Rowing Machines

Rowers offer a full-body workout that engages major muscle groups while supporting cardiovascular endurance. They are low-impact and accessible to a wide range of fitness levels—making them an excellent tool for sustainable fat loss.

Aviron – Interactive connected rowing for high engagement.
Hydrow – Smooth, realistic water-style rowing with streaming workouts.
Ergatta – Gamified, design-forward rowing to keep motivation high.

4. Treadmills

Walking and running are time-tested methods of managing weight. Treadmills allow users to control intensity, incline, and duration—ideal for tailoring workouts to individual health goals.

SOLE Fitness – Durable treadmills built for long-term home use.
Peloton – Integrates cardio with community and guided routines.
Precor Home Fitness – Commercial-grade treadmills with therapeutic value

5. Stair Climbers

Stair climbers simulate one of the most effective bodyweight cardio exercises. They provide high-intensity workouts that improve lower-body strength and cardiovascular fitness while torching calories.

All of these items may be eligible for HSA/FSA spending when used under the guidance of a medical professional, and with Truemed, accessing them is easier than ever.

STEPR – Compact and innovative climber designed for everyday homes.
CLMBR – Vertical climber delivering full-body engagement in minimal space.

How to Use Truemed to Purchase Eligible Products

To use your HSA or FSA for these dementia prevention products, here’s how the Truemed process works:

Choose and purchase products through Truemed’s partner brand websites (not directly on the Truemed site).
Complete a brief medical evaluation during checkout to determine eligibility under IRS guidelines for medical necessity.
Use your HSA/FSA card or submit documentation for reimbursement if approved.

Truemed makes it easier to align your health investments with long-term cognitive wellness goals — and to do it all tax-advantaged.

Why Use HSA/FSA Funds for Obesity Treatment?

Managing obesity isn't just about aesthetics, it’s about preventing long-term disease, improving energy levels, and enhancing overall quality of life. By using HSA/FSA funds through Truemed, you're investing in a treatment plan that aligns with medical standards while making smart financial choices. These pre-tax dollars go further and can help you build a home fitness environment tailored to your health needs.

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The content on the Truemed blog is intended for informational and educational purposes only, and should not be considered medical advice. It is not a substitute for professional medical care, diagnosis, or treatment. Truemed is committed to expanding access to medically necessary products and services through HSA and FSA plans, though individual needs and eligibility for benefits may vary.