Using Your HSA or FSA Dollars for Fitness
If you work out to manage or prevent a medical condition (like diabetes, high blood pressure, back pain, stress, and more), you may qualify to use your pre-tax HSA or FSA funds for memberships, classes, or personal training.
To unlock those savings, you’ll need a Letter of Medical Necessity from a licensed provider. With it, members can often get reimbursed for up to the full cost of their purchase. Because the money is pre-tax, most people save 20–40% — the dollars they would have otherwise paid in income taxes.

What is an HSA or FSA?
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax savings accounts that let you set aside pre-tax dollars to pay for medical expenses. Normally, fitness isn’t included — but if a provider recommends exercise to help prevent or manage a medical condition, it qualifies.

That’s where the Letter of Medical Necessity comes in.

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How it works

We’ve partnered with telehealth provider Dr. B to make getting this letter simple and affordable:

-Visit drb.ai/and/ehspilates

-Go through a $19 online consultation at anytime (even evenings or weekends!)

-A licensed provider will review your consultation. If you qualify, you’ll get your Letter of Medical Necessity by email (usually the same day)

-Submit your letter + receipts to your administrator (Dr. B’s team can help with this if you have questions)

-Get reimbursed for up to the full cost of your purchase! Letters are valid for the next 12 months and can be reused

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