How to Use Your HSA/FSA to Save on Fitness Equipment

If you’ve ever wished you could use pre-tax dollars to invest in your health and fitness, here’s some good news: you can. Customers at The Fitness Outlet can now shop for select HSA fitness equipment and FSA eligible gym equipment directly on our site. That means you can stretch your healthcare dollars further while building a healthier lifestyle at home or in the gym.

Many people know about Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) for covering medical expenses. But what’s often overlooked is that in some cases, you can also use them for FSA accepted fitness purchases — like treadmills, ellipticals, exercise bikes, or recovery tools. This is a win-win: you’re using funds you’ve already set aside for wellness, and you’re investing in long-term health.

What Are HSA and FSA Accounts?

Health Savings Account (HSA): A tax-advantaged account available to those with high-deductible health plans. Money you put in isn’t taxed, and you can use it for qualified medical expenses — now including some fitness purchases.
Flexible Spending Account (FSA): An employer-sponsored benefit that allows you to set aside pre-tax income for eligible medical and health-related expenses.

Both accounts exist to make health more affordable. And since fitness is one of the best forms of preventive care, certain purchases of cardio exercise machines and recovery tools can qualify.

What Types of Fitness Equipment May Qualify?

Not every machine is automatically eligible, but many categories of HSA fitness equipment and FSA eligible gym equipment may include:

Treadmills – In some cases, you can even buy a treadmill with HSA funds, especially when prescribed by a doctor to address cardiovascular health, weight management, or rehabilitation needs.
Exercise Bikes – Upright, recumbent, or air bikes that support joint-friendly training or rehab.
Ellipticals and Rowers – Low-impact options often recommended by physicians for safe, consistent cardio.
Recovery Tools – Percussive massagers, foam rollers, and mobility gear that support therapy or muscle recovery, which can qualify as FSA accepted fitness purchases with the right documentation.

Eligibility may depend on your provider and whether you have a physician’s note. Always confirm with your HSA/FSA administrator before making a purchase.

fitness equiptment thats HSA/FSA eligible

Why Use HSA/FSA Funds for Fitness Equipment?

Save Money with Pre-Tax Dollars – Using your HSA/FSA lets you reduce taxable income while investing in the best home cardio machines.
Invest in Preventive Health – Fitness equipment supports long-term wellness, lowering your risk for chronic health issues.
Convenience & Security – At The Fitness Outlet, you can browse, purchase, and receive itemized receipts for easy HSA/FSA reimbursement.
Expand Your Home Gym – Instead of paying entirely out-of-pocket, use your existing benefits to build the best home gym cardio equipment for your lifestyle.

Examples of Eligible Products at The Fitness Outlet

While availability may vary, here are some product categories commonly considered eligible:

Life Fitness Cardio Machines – Premium treadmills, ellipticals, and bikes trusted in both rehab and home wellness environments.
Spirit Fitness Treadmills – Durable, joint-friendly machines that may qualify when prescribed for cardiovascular health.
Body-Solid Endurance Recumbent Bikes – Comfortable designs that support rehab, seniors, or those with joint concerns.
Recovery Tools – Options like handheld massagers or percussive therapy devices for muscle therapy.

How to Shop HSA/FSA Eligible Equipment

Browse our collection of HSA fitness equipment online.
Confirm eligibility with your HSA/FSA provider or physician if needed.
Pay directly with your HSA/FSA debit card, or request an itemized receipt for reimbursement.

We’ve made it simple, safe, and secure so you can focus on what matters: your health.

Frequently Asked Questions

1. Can I buy a treadmill with HSA funds?
Yes — in some cases, you can buy a treadmill with HSA funds, especially if it’s prescribed by your doctor for cardiovascular or weight management purposes.

2. What fitness equipment is FSA eligible?
Items like treadmills, exercise bikes, ellipticals, and recovery tools may qualify as FSA eligible gym equipment, depending on your plan and medical needs.

3. Do I need a doctor’s note to use HSA/FSA funds?
Sometimes. A physician’s note may be required to prove the equipment is medically necessary. Always check with your plan administrator.

4. Are Life Fitness cardio machines covered?
Yes — many Life Fitness cardio machines may qualify when recommended for rehab, cardiovascular health, or therapeutic use.

5. Is it easy to make FSA accepted fitness purchases online?
Yes. With The Fitness Outlet, shopping is straightforward and secure. We provide itemized receipts and accept HSA/FSA debit cards for eligible equipment.

Shop Smarter with The Fitness Outlet

Your health is one of the best investments you’ll ever make. With HSA fitness equipment and FSA eligible gym equipment available at The Fitness Outlet, you can save money while building a healthier future.

And don’t keep it to yourself — share this with a friend or colleague who might not know they can use HSA/FSA dollars on fitness.