Is Fitness Tracker (Fitbit, Apple Watch) HSA/FSA Eligible?
Classified as a general wellness device, not a medical device, even though it tracks health metrics.
How the rule applies
A fitness tracker is a general wellness device. It shows health numbers but does not diagnose or treat a condition, so it is not eligible.
What to keep for your records
Do not submit these.
Watch out for
A device that is cleared as a medical device for a diagnosed condition, such as a glucose monitor, is a separate product and is eligible.
Not eligible, but don't leave HSA savings on the table
If you don't have an HSA yet, opening one is one of the few triple-tax-advantaged accounts available. See what you'd save.
Open an HSA with Lively → Check if you qualify →Related in Fitness & Wellness
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This ruling applies the HSA/FSA account rules (IRC §223, IRS Pub. 969), the medical-care definition they rely on (IRC §213(d), IRS Pub. 502) and any later statutory change or IRS guidance listed above. It is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.