Is a gym membership a qualified HSA expense?
Asked by: Ross Hane V | Last update: June 13, 2025Score: 4.6/5 (28 votes)
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.
Can I use my HSA to pay for yoga?
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 I use my HSA for a fitness watch?
No, you can't utilize your HSA to buy any wellness tracker until and except if you have the LOMN for it. The general well-being rule applies to Fitbit and all smartwatch and wellness tracker organizations. Subsequently, regardless of the organization of a wellness tracker, you can't get it with your HSA.
Is gym equipment HSA eligible?
Exercise equipment may be 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).
Can I Use Health Savings Account For Gym Membership? - AssetsandOpportunity.org
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 to pay for my 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 ...
Are massages HSA eligible?
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 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.
Are tampons HSA eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Are vitamins HSA eligible?
In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.
Can HSA be used for dental?
Yes, you can use a health savings account (HSA) or flexible spending account (FSA) for dental expenses.
Can you pay for breast lift with HSA?
You typically can't use an HSA for cosmetic surgery and get the tax benefits if the procedure isn't medically necessary and is done solely for appearance reasons.
Is the Apple Watch HSA eligible?
Why other fitness trackers don't qualify. 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.
Are gym memberships tax deductible?
The IRS typically does not allow taxpayers to deduct gym memberships or other costs associated with general health and wellness. The main reason is that these expenses are considered personal, even if they contribute indirectly to improved work performance, stress reduction, or overall well-being.
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 HSA reimburse 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.
Is deodorant HSA eligible?
Deodorant reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).
Can I use my HSA for gym shoes?
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 I use my HSA to pay for a chiropractor?
HSAs can be used for large and small qualified medical expenses. You can use your HSA for ongoing medical services and treatments, like chiropractic care, acupuncture, or physical exams. Medical copays, deductibles, and coinsurance can also be covered under an HSA.
Can you use HSA to pay off a credit card?
But can you pay off that medical credit card debt using a tax-advantaged medical savings account like an HSA or FSA? In short, yes, but it's important to keep good records.
Can you use HSA for vet bills?
The short answer is yes, you can use your HSA for veterinary expenses. Under current IRS guidelines, eligible medical expenses include those that are primarily for the prevention or alleviation of a physical or mental defect or illness.
Does HSA cover YMCA?
Using HSA or FSA Dollars
If you have a health insurance plan with a Health Savings Account or you use a Flexible Savings Account, you may be able to use money from those accounts to pay for your YMCA membership!
Is deep cleaning for teeth HSA eligible?
Teeth cleaning is considered a preventative service, which is covered by HSAs and medical FSAs. Using your HSA or FSA to pay for teeth cleaning can be a smart way to maximize your healthcare dollars while taking care of your oral health.
Can you use HSA for vitamins?
Most vitamins and supplements are not eligible with an FSA or HSA because the IRS considers them for general good health.