Question 1

Are gym memberships HSA/FSA eligible?

Accepted Answer

Yes, gym and studio memberships may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN).

Gym memberships aren't on the IRS's standard list of qualified medical expenses, so eligibility depends on a licensed clinician confirming that exercise is medically necessary to treat, mitigate, or prevent a diagnosed condition.

With an LMN, qualified customers can use pre-tax HSA/FSA dollars on memberships from Truemed partner gyms and studios including ClassPass, CorePower Yoga, Club Pilates, Barry's, SoulCycle, and more, saving an average of 30% on the cost.

Question 2

What conditions might qualify me to use HSA/FSA on a gym or studio membership?

Accepted Answer

Conditions that may support medical necessity for a gym or studio membership commonly include cardiovascular disease, high blood pressure, type 2 diabetes or prediabetes, obesity, metabolic syndrome, chronic back or joint pain, osteoporosis or low bone density, depression, anxiety, and other diagnosed conditions where structured exercise is part of treatment or prevention.

General goals like wanting to get in shape or lose weight without an underlying condition do not, on their own, meet the IRS standard for HSA/FSA eligibility.

Question 3

Is ClassPass HSA/FSA eligible?

Accepted Answer

Yes, ClassPass may be eligible for HSA/FSA spending for qualified customers when a licensed clinician determines the membership is medically necessary for your specific health situation.

ClassPass is particularly flexible because it provides access to thousands of studios and gyms worldwide, useful when your clinician recommends a specific type of activity like Pilates, yoga, or cycling.

Question 4

How does the Letter of Medical Necessity work for recurring gym memberships?

Accepted Answer

Letters of Medical Necessity issued through Truemed are valid for 12 months from the date of issue. For ongoing memberships like a monthly gym or studio subscription, your LMN is valid for eligible payments made during that 12-month window, so you only need to complete the intake survey once per year.

Once your LMN expires, you'll need to renew it to keep using HSA/FSA funds for your membership.

Question 5

How much can I save on a gym or studio membership with HSA/FSA?

Accepted Answer

Qualified customers save an average of about 30% when paying with pre-tax HSA/FSA dollars instead of post-tax money. Actual savings vary based on your individual tax rate. For example, on a $200 monthly studio membership, a 30% effective savings rate works out to roughly $60 back per month, or around $720 a year. For higher-cost memberships like Barry's, [solidcore], or SoulCycle, the cumulative annual savings can be substantial. HSA/FSA tax savings vary; learn more at truemed.com/disclosures.

Gyms & Studios

Qualified customers can shop HSA/FSA group fitness classes and gym memberships. Shoppers save an average of 30% when paying with pre-tax dollars.

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