Diet programs are typically not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA). In some cases, costs related to a diet program may qualify if prescribed by a physician to treat a diagnosed medical condition and supported by a Letter of Medical Necessity (LMN).
Why Are Diet Programs Not FSA/HSA Eligible?
Most diet programs are marketed for weight loss, fitness, or general wellness. These purposes are considered lifestyle improvements rather than medical care and therefore do not qualify under IRS Code Section 213(d).
According to IRS Publication 502, expenses for weight loss programs are only eligible if they are prescribed by a doctor to treat a specific disease such as obesity, hypertension, or heart disease. Even in these cases, only the program fees may qualify — food, supplements, or meal replacements purchased as part of the program are not eligible.
What’s Not Covered?
Weight loss or fitness programs undertaken for general health or appearance
Commercial diet memberships (e.g., subscriptions to national weight loss programs) without medical documentation
Meal replacements, special foods, shakes, or supplements, even if part of a prescribed program
Programs pursued for cosmetic or lifestyle reasons
LMN and Exceptions
Diet program fees may be reimbursable if a physician prescribes them as part of treatment for a diagnosed condition such as:
Obesity
Diabetes
Hypertension
Heart disease or high cholesterol
To pursue reimbursement:
Obtain a diagnosis from your physician and request a Letter of Medical Necessity (LMN) specifying the medical condition and the recommended program.
Submit the LMN to your FSA/HSA administrator.
If approved, pay program fees with your FSA/HSA card or request reimbursement.
Retain the LMN, receipts, and administrator approval for your records.
Only the program fees directly tied to medical treatment may qualify. Food, meal replacements, and supplements remain ineligible.
