Question 1

Is health tech HSA/FSA eligible, and what kinds of products are categorized as health tech?

Accepted Answer

Yes, many health tech products may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN). Health tech spans a wide range of categories, including wearables and smart rings, continuous glucose monitors, recovery and compression devices, sleep technology, and more. With an LMN from a licensed clinician confirming medical necessity, qualified customers can use pre-tax HSA/FSA dollars on health tech from Truemed partner brands and save an average of 30% on the purchase.

Question 2

Which wearable health devices are HSA/FSA eligible?

Accepted Answer

Wearables from brands like Oura, WHOOP, Garmin, COROS, and Amazfit may be HSA/FSA eligible for qualified customers when a licensed clinician determines the device is medically necessary for a specific health condition. Common reasons wearables qualify include monitoring cardiovascular health, managing diagnosed sleep disorders, tracking biomarkers tied to metabolic conditions like prediabetes, and supporting recovery from chronic stress or musculoskeletal conditions. A wearable purchased solely for general fitness tracking does not, on its own, meet the IRS standard, but the same device may qualify when tied to a documented medical need.

Question 3

Is an Oura Ring HSA/FSA eligible?

Accepted Answer

Yes, Oura Ring is typically HSA/FSA eligible without additional documentation like a Letter of Medical Necessity (LMN). This means qualified customers can check out directly on Oura's site with an HSA or FSA card — or use a regular credit or debit card and submit for reimbursement — effectively saving an average of 30% on the purchase, depending on your individual tax rate.

Question 4

How much can I save buying health tech 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 $400 Oura Ring, a 30% effective savings rate works out to roughly $120 back in your pocket compared to paying with a regular debit or credit card. On larger purchases like a Prenuvo whole-body MRI or a SNOO Smart Sleeper, dollar savings can be significantly higher. HSA/FSA tax savings vary; learn more at truemed.com/disclosures.

Health Tech

Qualified customers can shop HSA/FSA eligible health tech like smart watches, smart rings, and smart glasses. Shoppers save an average of 30% when paying with pre-tax dollars.

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