No, fitness trackers are not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) because they are classified as general wellness devices rather than medical equipment.
Why Will FSA/HSA Not Cover a Fitness Tracker?
Fitness trackers are not eligible for FSA or HSA reimbursement because their primary purpose is to monitor physical activity, steps, and general fitness rather than to diagnose, treat, or manage a specific medical condition. According to IRS guidelines, FSA and HSA funds can only be used for products that address a recognized medical need or are prescribed by a healthcare provider for the treatment of a diagnosed condition.
While fitness trackers often include health-related features such as heart rate monitoring, sleep tracking, or calorie counting, these functions are geared toward promoting overall wellness and lifestyle improvements rather than fulfilling a medical necessity. This distinction places fitness trackers in the same category as other non-reimbursable items like deodorant or toothpaste , which are considered personal care products rather than medical expenses.
In limited cases, a fitness tracker might be eligible for reimbursement if prescribed by a physician as part of a treatment plan for a specific medical condition, such as obesity or cardiac rehabilitation. However, this would typically require a Letter of Medical Necessity (LMN) to document its medical purpose. Without such documentation, fitness trackers remain ineligible under FSA/HSA rules.
