Fitness Programs: FSA Eligibility

Fitness programs are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

Can fitness programs treat a medical condition?

The fitness industry has grown by leaps and bounds in recent decades as individuals from all walks of life seek to improve their overall health and wellness. While regular exercise can dramatically reduce an individual's chances of developing heart disease, diabetes and lung disease, the IRS considers these activities conducive to fostering a person's "general health," and does not directly work to treat a legitimate medical condition.

However, in some cases, fitness programs can be a major facet of an individual's medical treatment plan as a response to a major surgery, recovery from a serious illness or other forms of rehabilitative care. These fitness programs can be held at physical training and medical fitness facilities, and these programs follow the continuing care model with techniques developed by medical professionals to treat specific conditions. Additionally, these facilities differ greatly from standard gyms thanks to their expansive resources, such as a network of medical professionals for future referrals, as well as fitness staff that is degreed and certified to practice physical therapy or rehabilitative medicine (Mayo Clinic). If you think your fitness program treats a medical condition, talk with your plan administrator about whether or not it may qualify as eligible.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

Specifically Not Covered

Not eligible for general use and well-being.