Are Gym Memberships Covered By My HSA/FSA?

Short Answer:
Gym memberships can be covered by your HSA or FSA only if you have a specific medical condition and a physician (or licensed provider) has recommended regular exercise as part of a treatment plan. This means you’ll need a valid Letter of Medical Necessity (LMN) that meets IRS guidelines.

From the IRS FAQs on Nutrition, Wellness, and General Health Expenses:

• Q9: Weight-loss programs can be eligible only if they are treating a specific disease diagnosed by a physician (e.g., obesity, diabetes, hypertension, or heart disease). Otherwise, they are not covered.

• Q10: Gym memberships can be eligible if purchased for the sole purpose of:

  • Affecting a structure or function of the body (e.g., physical therapy for an injury), or

  • Treating a specific disease (e.g., obesity, hypertension, heart disease).

If the membership is for general fitness or overall wellness, it typically does not qualify as a medical expense under IRS rules.

An LMN is a document signed by a licensed medical professional stating that your gym membership is medically necessary for managing or treating a diagnosed condition. Examples include:

• Obesity

• Hypertension (high blood pressure)

• Heart Disease

• Diabetes or Pre-Diabetes

• Injury Rehabilitation

To be valid, your LMN must clearly connect your diagnosis with the benefits of your gym membership.

1. Talk to Your PCP or Take Truemed’s Clinical Intake Form

   • Discuss your condition with your healthcare provider (PCP) and get a formal diagnosis, or

   • Complete Truemed’s Clinical Intake Form to be evaluated by an independent, licensed provider for an LMN.

   • Ensure the LMN is dated on or before the start date of your gym membership to stay compliant with HSA/FSA rules.

2. Obtain & Keep Your LMN

   • Whether you get your LMN directly from a PCP or via Truemed, keep it in a safe place.

   • You may be asked to submit it as proof if your HSA/FSA administrator requests documentation.

3. Make Your Gym Membership Purchase

   • Use your HSA/FSA card to pay, or request reimbursement afterward (depending on your plan’s process).

   • Keep your receipts and a copy of the LMN.

4. Submit for Reimbursement (if applicable)

   • If your plan requires you to file claims, submit the membership receipt and LMN for documentation.

   • Note that the gym membership must be recommended as part of treating your diagnosed condition.

1. What if my gym membership is just for staying in shape?
Per IRS guidelines, a gym membership for general health or wellness is not an eligible expense. A specific medical diagnosis with a prescribed exercise plan is required.

2. How often do I need to renew my LMN?
Most LMNs remain valid for 12 months from the date of issue. If you continue using the gym to manage your condition, you’ll likely need to renew your LMN each year.

3. Can personal training or specialized classes be covered?
Possibly—if they are specifically recommended to treat a condition. Keep documentation in case your administrator asks for detailed proof of medical necessity.

4. My health plan wants more details—what do I do?
Contact Truemed Support or your healthcare provider for a more detailed LMN. Additional medical details may help strengthen your claim.

If you’re unsure whether you qualify for gym membership coverage or need assistance obtaining or updating your LMN, please contact Truemed Support at support@truemed.com. We’re here to help you maximize your HSA/FSA benefits in a way that aligns with IRS rules and medical best practices.