Can I use my HSA to buy a treadmill?
Asked by: Ms. Mina Schroeder | Last update: December 16, 2025Score: 4.5/5 (41 votes)
Can I use my HSA to buy exercise equipment?
The majority of fitness equipment and gym memberships and fitness classes can be covered by your FSA/HSA funds, but you'll need your doctor to fill out a Letter of Medical Necessity to use the funds to purchase them.
Can you get a prescription for a treadmill?
Cardio Machines: Treadmills, stationary bikes, and ellipticals are often prescribed for cardiovascular and weight management purposes. Strength Training: Resistance bands, free weight, or specific machines such as functional trainer, home gym may be prescribed to help with muscle strengthening or rehabilitation.
Can I use my HSA to buy a Peloton?
You will need to submit your LMN and Peloton purchase receipt to your HSA/FSA plan administrator for reimbursement from your HSA/FSA funds. If you do not qualify, you may cancel your order at any time prior to delivery.
Is a treadmill considered medical equipment?
Powered exercise equipment consist of powered devices intended for medical purposes, such as to redevelop muscles or restore motion to joints or for use as an adjunct treatment for obesity. Examples include a powered treadmill, a powered bicycle, and powered parallel bars.
Unlock Savings: How to Use Your HSA/FSA for Fitness Equipment
Can you write off a treadmill?
For instance, if a doctor recommends a treadmill to manage cardiovascular health, the cost of the treadmill may be deductible. What is this? The purpose of the equipment is another significant consideration. General fitness or personal enjoyment does not meet the IRS's criteria for medical expenses.
Is tonal HSA eligible?
As Tonal is HSA/FSA eligible, the IRS allows you to use your pre-tax funds for purchases from Tonal with a Letter of medical Necessity, which TrueMed helps you to get.
Can HSA go towards gym membership?
While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.
Can you use HSA for sneakers?
Running shoes may be an eligible expense for your HSA or FSA, if they help to manage or prevent a medical condition.
Can I use my HSA for a fitness watch?
To purchase a fitness tracker with a consumer-directed healthcare account like an FSA, HSA or HRA, a Letter of Medical Necessity (LMN) is required to show that the device will be used to treat a legitimate medical condition such as obesity.
Will buying a treadmill help me lose weight?
Generally speaking, yes, treadmills can be effective for weight loss. However, the biggest benefit comes when it's combined with a structured workout and diet plan. In essence, you will lose weight if you consistently burn more calories than you consume - this is known as being in a calorie deficit.
Is it OK to get on the treadmill everyday?
Running on the treadmill every day can be a safe and effective way to stay fit, as long as you listen to your body and follow a well-structured plan. Incorporating a proper warm-up, varying your workouts and paying attention to signs of fatigue or injury are crucial to maximising benefits while minimising risks.
Can my doctor write a prescription for a gym membership?
Health club and gym membership fees for treating a medical condition are eligible with a doctor's note. Even though exercising has many health benefits, gym memberships to maintain your general health and wellness are not eligible medical expenses, according to the IRS.
Are Apple watches HSA eligible?
Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
Is a treadmill FSA eligible?
If you have a letter from a medical professional stating that exercise equipment is a medical necessity, your FSA can cover it. They can pay for equipment like treadmills, weights, and resistance training equipment.
Can I use HSA for groceries?
No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.
What is the shoebox rule for HSA?
Instead of using your HSA to pay for a medical expense right away, you pay for it out-of-pocket and keep the receipt (that's where the shoebox comes in). Leave your HSA undisturbed and archive your receipts somewhere safe, where you know you'll still find them years down the road.
Can you buy gym supplements with HSA?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Can I buy insoles with HSA?
Under a doctor's prescription, your HSA covers the expense of insoles, custom orthotics, and other assistive devices deemed necessary to manage conditions in the feet and lower limbs and aid in preventing these ailments from worsening.
Is Planet fitness HSA eligible?
In most cases, gym memberships are not considered eligible medical expenses by the IRS. This means you typically cannot use your HSA funds to pay for a gym membership directly.
Can HSA pay for massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
Can I use HSA for glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)
Can I pay for Peloton with HSA?
The partnership will make it easier for qualified US-based Peloton customers to use pre-tax Health Savings Account (HSA)/Flexible Spending Account (FSA) dollars to purchase applicable Peloton products, saving customers up to 40% off their purchase.
Can I use my HSA to buy a bike?
For this, you will need a letter of medical necessity. This is where services like Truemed come in to provide such documentation. This is how Zwift and Wahoo can accept payment for things like smart bikes and trainers from an HSA/FSA account, which are not medical devices in the traditional sense.
Can you use HSA to buy scale?
A scale for food or weight with a Letter of Medical Necessity (LMN) is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA).