Does FSA cover gym membership?

Asked by: Cole Waters MD  |  Last update: March 21, 2025
Score: 4.3/5 (40 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 I pay for gym membership with FSA?

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 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 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.

Can you use FSA for gym membership?

44 related questions found

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.

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.

Are fitness watches covered by FSA?

A fitness tracker device, such as a Fitbit, is only eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Is Orangetheory FSA eligible?

Orangetheory Fitness has embraced fitness as medicine, partnering with telehealth platform Dr. B to allow its members to use tax-free health savings account (HSA) and flexible savings account (FSA) funds on memberships, classes and equipment.

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.

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.

Are sunglasses FSA eligible?

You can use FSA dollars on sunglasses, as long as they are prescription sunglasses. Some non-prescription sunglasses can be purchased with HSA or FSA dollars, but you will most likely need a prescription for the shades from your doctor.

Can I use FSA for dental?

You can use funds in your FSA to pay for certain medical and dental expenses for you, your spouse if you're married, and your dependents. You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums.

Can a 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.

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)

Does skincare count for FSA?

You can use an FSA to pay for both over-the-counter and prescription acne treatments. These include acne-targeted facial cleansers, spot treatments, pads, pimple patches, body washes, sprays, gels, and more. Dermatologist visits to discuss your acne concerns are also covered.

Are electric toothbrushes FSA eligible?

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

Can I use FSA to 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.

Does FSA cover 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 ...

Is an HSA or FSA better?

Bottom line: Both HSAs and FSAs provide financial benefits for managing health care expenses. HSAs offer more flexibility and long-term growth potential, making them a valuable tool for future financial planning. Learn about HSA options from Aetna.

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.

Are massage guns FSA eligible?

A massage gun is a device that may ease muscle tension. Money in your health savings account (HSA) and flexible spending account (FSA) may be used to pay for percussion massage guns like a Theragun if they're used for medical purposes.

Is mouth wash FSA eligible?

Over-the-counter items (OTC) items are not eligible for reimbursement if they are normally used for general health or are used even when there is not a medical condition being treated (such as toothpaste, mouthwash, shampoo, lotion or moisturizer that also contains sunscreen) or are cosmetic in nature (teeth whitening ...