The Short Answer
Yes, fitness trackers CAN be FSA/HSA eligible in 2025, but with important conditions. The IRS updated guidelines to allow certain health-related devices when prescribed by a healthcare provider.
What's Required for Eligibility
1. Letter of Medical Necessity (LMN)
Your doctor must provide written documentation that the device is necessary to:
Common qualifying conditions:
Which Devices Qualify?
Typically Covered:
May Be Covered (with LMN):
How to Get Approved
Step 1: Talk to your doctor about your health goals
Step 2: Request an LMN if applicable
Step 3: Keep all receipts and documentation
Step 4: Submit to your FSA administrator
What If You're Denied?
Appeals are possible. Work with your healthcare provider to provide additional documentation about medical necessity.
The Bottom Line
While fitness trackers aren't automatically FSA-eligible, many athletes with qualifying health conditions can get them covered. Check with your FSA administrator for specific requirements.
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