FSA/HSA Eligible Expenses: 2026 Guide
Search any expense to see if it's reimbursable. Built from IRS Publication 502 — the official federal guidance.
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Eligible WITHOUT a Letter of Medical Necessity
Categorically eligible — no extra documentation needed beyond a normal receipt.
Medical devices
Alternative therapies
Prescriptions
Dental
Mental health
Eligible WITH a Letter of Medical Necessity
Eligible when documented as medically necessary by your physician for a qualifying condition.
Fitness services
Equipment
Wearables
Programs
Alternative therapies
Generally NOT eligible
Typically considered personal expenses by the IRS, even with creative documentation.
Personal
Official IRS Guidance
The IRS publishes Publication 502 annually, covering medical and dental expenses eligible for tax-advantaged treatment under Section 213 of the tax code — the same rules that govern HSA and FSA reimbursement.
Section 213(d) defines medical care broadly enough to include exercise programs, gym memberships, and fitness equipment when documented as medically necessary for a specific diagnosed condition.
Final approval is up to your administrator
Eligibility on this page is based on IRS Publication 502 and common administrator practice. Reimbursement is not guaranteed. Your specific FSA/HSA administrator decides whether to approve any individual claim based on your documentation, your plan terms, and their internal review.
Need a Letter of Medical Necessity?
Most fitness and exercise services on this page require an LMN. We make it effortless — 5-minute intake, packet delivered in under 1 hour, your own doctor signs.
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