Is Gym Membership HSA or FSA eligible?

Is Gym Membership HSA/FSA Eligible?

Category: Fitness & Wellness · Updated 2026-07-25

NEEDS LMN

The Ruling

Excluded by default as general fitness. Rarely approved even with an LMN, since the IRS treats general fitness improvement as a personal benefit, not treatment.

Reference: IRS Pub. 502, "General Health"

Typical price$30-150/month

Letter of Medical NecessityRequired

CategoryFitness & Wellness

Get a Letter of Medical Necessity

A same-day telehealth LMN service can qualify this purchase for HSA/FSA funds if a provider ties it to a diagnosed condition.

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What actually has to be in an LMN →

Related in Fitness & Wellness

Fitness Tracker (Fitbit, Apple Watch) NOT ELIGIBLE Massage Therapy NEEDS LMN Compression Socks ELIGIBLE Orthopedic Shoes PARTIALLY ELIGIBLE

This page reflects IRS Publication 502 guidance and is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.