Can you use FSA on a gym membership?

Asked by: Sydnee Auer  |  Last update: February 28, 2025
Score: 4.6/5 (31 votes)

Gym memberships. 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 FSA be used for YMCA membership?

Unfortunately, YMCA and gym memberships are not eligible for reimbursement through a flexible spending account (FSA), as they are considered by the IRS as a means of supporting one's general health, rather than a direct treatment of a specific medical condition.

Can I use FSA for Peloton membership?

You can't directly pay for membership costs with your HSA/FSA card, but if you receive a Letter of Medical Necessity (LMN) from Truemed or an applicable licensed medical professional and are eligible for reimbursement, you may be able to apply your HSA/FSA funds to the cost of a Peloton Membership while the LMN is ...

Can you use FSA for an Apple Watch?

Likely not. While your Apple Watch, Garmin, or other tracker may offer you some insight—and maybe even some encouragement—to stay on top of your fitness routine, they are not typically considered medical devices for purposes of FSA and HSA funds.

Can you use FSA to pay for personal training?

A personal trainer may be eligible for the treatment of a medical condition with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can you use FSA for gym membership?

16 related questions found

Will FSA cover gym membership?

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) let you reserve pre-tax dollars for eligible medical expenses. Fitness fees do not always qualify as eligible HSA/FSA expenses. But they may qualify if a provider recommends that you exercise to prevent or treat a medical condition.

What can I not use FSA on?

You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums. You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription.

Can I use my FSA to buy a treadmill?

If you have a letter from a medical professional stating that exercise equipment is a medical necessity, your FSA can cover it.

Are air purifiers FSA eligible?

Air purifiers are generally not eligible for reimbursement. An air purifier may be eligible for FSA reimbursement with a Letter of Medical Necessity (LMN) only if you are using it to relieve or alleviate a specific medical condition and you would not otherwise have purchased it.

Are vitamins FSA eligible?

Vitamins and supplements used for general health are not FSA eligible. But you may use your FSA funds to purchase vitamins and supplements used to treat a specific condition.

Is Planet fitness FSA eligible?

Can you use flexible spending account (FSA) funds to pay for a gym membership or exercise classes? Typically, no. The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms.

Can you buy shoes with FSA?

Orthopedic shoes with a Letter of Medical Necessity (LMN) are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA).

Can I use my FSA card for yoga classes?

Fitness fees do not immediately qualify as eligible HSA/FSA expenses, but they do qualify if a provider recommends exercise to prevent or treat a medical condition. To qualify those expenses for reimbursement with an HSA/FSA administrator, you need a Letter of Medical Necessity from a provider.

Can FSA pay for massage?

Massage Therapy may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA).

Does FSA cover teeth whitening?

Dental care can certainly be a part of those expenses, but teeth whitening is not considered to be an FSA eligible expense. Because it's considered cosmetic in nature, teeth whitening will not be reimbursed with your FSA.

Can FSA pay for glasses?

Yes! You can use your FSA funds for eye exams and prescription glasses. You can also use them for prescription contact lenses. And prescription sunglasses are FSA-eligible, too.

Is deodorant FSA eligible?

For example, daily care products, like Vaseline, toothpaste, and deodorant, are not FSA-eligible expenses. Gym memberships and health insurance premiums aren't eligible either.

Can I buy an electric toothbrush with my FSA?

Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.

How do I get my gym covered by FSA?

For a gym membership to even be considered for reimbursement under a Health Care FSA, you must have:
  1. Approved Letter of Medical Necessity (PDF) on file for a medical condition that requires exercise at a gym.
  2. Individual gym membership contract on file (multi-person contracts will not be considered)

Can FSA be used for peloton?

Use your pre-tax HSA or FSA funds to purchase Peloton equipment. We've made it even easier with Truemed.

What can FSA not be used for?

Please Note: The IRS does not allow Over-the-Counter (OTC) medicines or drugs to be purchased with Health Care FSA funds unless accompanied by a prescription and the prescription is filled by a pharmacist. If you have an OTC prescription, you can use your benefits card for these purchases.

Can I cash out my FSA?

You can't withdraw money from an ATM

One of those is that the money can only be spent on FSA-eligible expenses. The easiest way to be sure your purchases are eligible is to shop at a store that exclusively sell FSA-eligible items (hint: FSAstore.com).

Can I pay for my gym membership with my HSA?

Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.

Are car seats FSA eligible?

Car seats are not eligible for reimbursement with a flexible spending account (FSA), limited-purpose flexible spending account (LPFSA), dependent care flexible spending account (DCFSA), health savings account (HSA) or a health reimbursement arrangement (HRA).