Is gym membership HSA-eligible?
Asked by: Mr. Demond Homenick | Last update: October 6, 2025Score: 4.9/5 (39 votes)
Can you use your HSA to pay for your gym membership?
Gym memberships are generally not considered qualified medical expenses under IRS guidelines. While physical fitness is important, gym memberships are typically viewed as personal or recreational expenses rather than a medical necessity. So using HSA funds for them could result in taxes and penalties.
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.
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.
Can I pay for my Peloton membership with my HSA?
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 ...
The Real TRUTH About An HSA - Health Savings Account Insane Benefits
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!
Can I use my HSA for a 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 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 buy Gatorade with HSA?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
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.
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 to buy a treadmill?
A treadmill may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA).
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…”
Can you use your 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.
Can I use HSA for dental?
Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.
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.
What if I accidentally used my HSA card for groceries?
If you catch the transaction early enough, you might even be able to contact the retailer and ask them to reverse the charge and fill it on a new card. If you bought something in person, you can also return it to the store and then buy it again with a different card.
Can you buy skincare with an HSA?
Over-the-counter acne and skincare products are now HSA eligible with out the need for a prescription.
Can you buy a baby gate with HSA?
Even better – save money while babyproofing your home thanks to HSA & FSA accounts[5]. Purchase a sturdy baby gate to keep your babe safe from stairs. Outlet covers are a must – do you know how much stuff babies can cram in an outlet?!
How do I get my HSA to pay for gym?
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 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 for Peloton membership?
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 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 use HSA for vitamins?
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.
Is a chiropractor covered by HSA?
The answer is generally, yes. As long as the chiropractic care is considered a qualified medical expense by the Internal Revenue Service (IRS), it can be paid for using HSA funds. Chiropractic care falls under the umbrella of "preventive care" and "treatment of a medical condition" as defined by the IRS.