Everything You Need To Know About FSA/HSA For 2025

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are both types of tax-advantaged accounts that allow individuals to set aside money for medical expenses. One potential use for these types of accounts is to purchase fitness and athletic recovery equipment. This can be a convenient and cost-effective way to improve your overall health and wellness, and can help you to recover from injuries or surgeries more quickly.

What are FSA and HSA accounts?

There are a few key differences between FSAs and HSAs that you should be aware of when deciding which account to use for your fitness and athletic recovery purchases.

FSAs are employer-sponsored accounts that allow employees to set aside a portion of their pre-tax salary for medical expenses. This means that you can use the money in your FSA to pay for qualifying medical expenses, including fitness and athletic recovery equipment, without incurring any tax liability. However, FSAs generally have a "use it or lose it" provision, which means that you must use the money in your account within a certain timeframe (usually the end of the calendar year) or forfeit any remaining funds.

HSAs are similar to FSAs, but they are available to individuals who are enrolled in a high-deductible health plan (HDHP). Like FSAs, HSAs allow you to set aside money for medical expenses on a pre-tax basis. However, HSAs offer a few additional benefits. First, HSAs do not have a "use it or lose it" provision, so any unused funds in your account will roll over from year to year. This can be especially useful if you are planning to make a large purchase, such as a treadmill or stationary bike, as you can save up funds over time and use them when you are ready to make the purchase.

Second, HSAs offer more flexibility in terms of how you can use the funds in your account. In addition to paying for qualifying medical expenses, you can also use your HSA funds for non-medical expenses, such as gym memberships or fitness classes. This can be a great way to improve your overall health and wellness, and can help you to save money on these types of expenses in the long run.

So, which type of account is right for you? If you are an employee with access to an FSA, this can be a convenient and cost-effective way to pay for fitness and athletic recovery equipment. However, you will need to be mindful of the "use it or lose it" provision, and make sure to use the funds in your account within the specified timeframe.

If you are enrolled in a HDHP and have the option to open an HSA, this may be the better choice for you. The ability to save up funds over time and use them for non-medical expenses can be especially useful if you are planning to make a large purchase, and the lack of a "use it or lose it" provision means that you don't have to worry about losing any unused funds.

Regardless of which type of account you choose, it is important to keep good records of your purchases. You will need to keep receipts or other documentation to prove that your purchases were eligible expenses, in case you are audited by the IRS.

When shopping for fitness and athletic recovery equipment, be sure to do your research and compare prices from multiple retailers. You may be able to find good deals on gently used equipment from classified ads or online marketplaces, or you may be able to negotiate a discount by purchasing multiple items at once.

What can I purchase with my FSA or HSA?

Here are some examples of items that may be eligible for purchase with FSA or HSA funds:

Exercise machines, such as treadmills, stationary bikes, and ellipticals
Compression systems
Resistance bands and free weights
Athletic tape and braces
Massage tools and other recovery equipment, such as foam rollers and percussion massagers
Heart rate monitors and other fitness trackers
Swimming pool passes or membership fees
Personal training sessions or fitness classes
Gym memberships

Many of our customers use their FSA or HSA to purchase percussion massagers like the Theragun or Hypervolt. These are not explicitly covered under FSA/HSA guidelines, so you will need to get a medical exception from your provider.

It's important to note that not all medical expenses are eligible for reimbursement from FSAs or HSAs. You will need to check with your specific plan to determine what is covered. In general, expenses that are eligible for reimbursement must be used to diagnose, treat, or prevent a medical condition.

It is also important to note that FSA and HSA funds can only be used to pay for your own medical expenses, or those of your dependents. You cannot use these funds to pay for someone else's medical expenses, even if you are paying for their care.

In conclusion, FSAs and HSAs can be a convenient and cost-effective way to pay for fitness and athletic recovery equipment. By setting aside money on a pre-tax basis, you can save money on your overall medical expenses and improve your overall health and wellness. Just be sure to keep good records of your purchases and familiarize yourself with the rules and restrictions of your specific plan.

Recovery Collection

Game Ready Knee Wrap (Straight or Articulated)

Game Ready

$460.00 - $540.00

$460.00

Game Ready Knee Wrap (Straight or Articulated) Every Game Ready wrap features a dual-action ATX (Active Temperature Exchange) design that allows th...

View full details

Game Ready Ice Machine GRPro 2.1 Cold & Compression Therapy Unit

Game Ready

$3,200.00

$3,200.00 - $3,200.00

$3,200.00

$3,037.39

$3,037.39 - $3,037.39

$3,037.39

Game Ready GRPro 2.1 Cold & Compression Therapy For Injury Healing and Recovery Ice Machine Game Ready is the global leader in active compre...

View full details

Game Ready Shoulder Wrap

Game Ready

$529.00 - $529.00

$529.00

$529.00 - $529.00

$529.00

Game Ready Shoulder Wrap The Game Ready Shoulder Wrap is a must-have for those recovering from shoulder surgery and workouts. Each shoulder wrap fe...

View full details

Theragun Prime Percussion Massager

TheraGun

$329.99 - $329.99

$329.99

$329.99 - $329.99

$329.99

Impact-Resistant Massage Gun Theragun Prime Percussion Massager The Theragun Prime is a massage gun from Therabody that stands up to a gym bag...

View full details

Game Ready Carry Bag

Game Ready

$240.00 - $240.00

$240.00

$240.00 - $240.00

$240.00

The Carry Bag enhances the portability of the Game Ready™ System by housing the control unit, the AC adapter, and up to three or four wraps. It is ...

View full details

Hyperice Normatec 3 Leg Recovery System

Hyperice

$899.00 - $899.00

$899.00

$899.00 - $899.00

$899.00

The Ultimate Massage Experience Hyperice Normatec 3 Leg Recovery System When somebody says ...

View full details

Game Ready Ankle Wrap

Game Ready

$450.00 - $450.00

$450.00

$450.00 - $450.00

$450.00

Game Ready Ankle Wrap Speed up your recovery with the Game Ready Ankle Wrap. This advanced ankle wrap features a dual-action ATX (Active Temperatur...

View full details

Pso-Rite Psoas Release and Massage Tool

Pso-Rite

$89.99

$89.99 - $89.99

$89.99

$79.99

$79.99 - $79.99

$79.99

Pso-Rite, The Best Psoas Release Tool We all know it can be hard to find a good, affordable tool to help release hard to reach muscles. Not everyo...

View full details

Game Ready Hip/Groin Wrap

Game Ready

$529.00 - $529.00

$529.00

$529.00 - $529.00

$529.00

Game Ready Hip/Groin Wrap Injuries are no fun, that’s why it’s so important to have a good post-workout routine that helps your body recover faster...

View full details

Game Ready Dual 5’ Connector Hose

Game Ready

$480.00 - $480.00

$480.00

$480.00 - $480.00

$480.00

Game Ready Dual 5’ Connector Hose GameReady Dual Connector To be used with the Game Ready GRPro 2.1 Control Unit. Connects the GRPro 2.1 control u...

View full details

Theragun Percussion Massager Attachment

TheraGun

$29.99 - $34.99

$29.99

Classic Theragun Heads Theragun Percussion Massager Attachment The Theragun Percussion Massager Attachment is the head for the classic Theragu...

View full details

Theragun Duo Adapter Set

TheraGun

$79.00 - $89.00

$79.00

Twin-Head Adapter Theragun Duo Adapter Set The Theragun Duo Adapter Set is a twin-head adapter that holds two Theragun attachments side by sid...

View full details

ReAthlete Air-C Full Leg Compression Massager

ReAthlete

$299.99

$299.99 - $299.99

$299.99

$149.99

$149.99 - $149.99

$149.99

Full-Leg Recovery. Right Where You Need It. The REATHLETE Air C Leg Massager wraps your entire leg — thighs, knees, calves, and feet — in po...

View full details

Theragun PRO Plus (Gen 6) Percussion Massager

TheraGun

$649.99 - $649.99

$649.99

$649.99 - $649.99

$649.99

Multi-Therapy Massage Device Theragun PRO Plus (Gen 6) Percussion Massager The Theragun PRO Plus is the massage gun at the top of Therabody's ...

View full details

Dynamic Barcelona 1-2-Person Low EMF FAR Infrared Sauna (Canadian Hemlock)

Dynamic Saunas

$3,499.00

$3,499.00 - $3,499.00

$3,499.00

$1,899.00

$1,899.00 - $1,899.00

$1,899.00

Compact Low EMF Infrared Sauna Dynamic Barcelona 1-2-Person Low EMF FAR Infrared Sauna (Canadian Hemlock) The Dynamic Barcelona 1-2-Person Low...

View full details

Firefly Recovery Portable Starter Pack

Firefly

$75.00 - $230.00

$75.00

$67.00 - $191.00

$67.00

Firefly Recovery Portable Device Starter Pack Firefly Recovery is used by over 250 pro and college teams as well as elite and everyday athletes t...

View full details

Game Ready Elbow Wrap

Game Ready

$380.00 - $530.00

$380.00

Game Ready Elbow Wrap When it comes to sports injuries, elbow injuries are one of the most common. That is why Game Ready has put so much time into...

View full details

Hyperice Normatec 3.0 Control Unit

Hyperice

$549.00 - $549.00

$549.00

$549.00 - $549.00

$549.00

HYPERICE NORMATEC Hyperice Normatec 3 Control Unit The control unit on its own, for replacin...

View full details

Game Ready Back Wrap

Game Ready

$529.00 - $529.00

$529.00

$529.00 - $529.00

$529.00

Game Ready Back Wrap Game Ready has perfected the ultimate cold compression Back Wrap. This amazing back wrap features a dual-action ATX (Active Te...

View full details

Game Ready Full Leg Boot Wrap

Game Ready

$800.00 - $800.00

$800.00

$800.00 - $800.00

$800.00

Game Ready Full Leg Boot Wrap Stop suffering from sore legs with the Game Ready Full Leg Boot Wrap. This top of the line leg wrap provides full leg...

View full details

The Aletha Mark - Hip Hook

Aletha

$199.00 - $199.00

$199.00

$199.00 - $199.00

$199.00

Aletha Health | Hip Hook System The Aletha Mark - Hip Hook Psoas and Iliacus Tool The Aletha Mark is the current generation of the Hip Hook, ...

View full details

Golden Designs S-Shape Backrest for Saunas

Dynamic Saunas

$99.00 - $149.00

$99.00

Dynamic Sauna Backrest Golden Designs S-Shape Backrest for Saunas The Golden Designs S-Shape Backrest for Saunas gives you something to lean o...

View full details

Echo Flask Hydrogen Water Bottle

Echo

$299.99 - $299.99

$299.99

$299.99 - $299.99

$299.99

Echo Flask Hydrogen Water Bottle The Echo Go and Echo Go+ are now the Echo Flask.Transform how you feel, perform, and recover with the Echo Flask...

View full details

Game Ready Knee Ice Machine Cold & Compression Package

Game Ready

$3,330.00 - $3,405.00

$3,330.00

Game Ready GRPro 2.1 Cold & Compression Therapy Unit For Knee Injury Healing and Recovery Ice Machine Hurt knee got you down? If you have su...

View full details

Hyperice Normatec Hip Attachments

Hyperice

$250.00 - $250.00

$250.00

$250.00 - $250.00

$250.00

HYPERICE NORMATEC Hyperice Normatec Hip Attachment A single hip attachment covering the quad...

View full details

Shop Recovery

Fitness Collection

Garmin Epix Gen 2 Premium Outdoor Smartwatch

Garmin

$499.00 - $899.99

$499.00

Garmin Epix Gen 2 Watch Wear epix, be epic. With the epix premium active smartwatch, you can take on every day with the stunning AMOLED ...

View full details

Breath Belt

$159.95

$159.95 - $159.95

$159.95

$149.99

$149.99 - $149.99

$149.99

Breath Belt Diaphragmatic Breath Training Tool The Ultimate Recovery & Rehabilitation Tool THE BREATH BELT is a diaphragmatic breath training ...

View full details

Garmin CIRQA Smart Band

Garmin

$199.99 - $199.99

$199.99

$199.99 - $199.99

$199.99

Garmin · Fitness Tracking · CIRQA™ Smart Band A screenless smart band that tracks health and fitness 24/7 — up to 10 days of battery, no subs...

View full details

NOHRD WallBar

NOHrD

$649.00 - $1,199.00

$649.00

NOHrD | WallBars NOHRD WallBar Wooden Wall Bars and Pull-Up Station The NOHRD WallBar is a wall-mounted wooden wall bar, the gymnasium stall ...

View full details

York Barbell Rubber Hex Dumbbell

York Barbell

$5.75 - $287.50

$5.75

$3.74 - $186.88

$3.74

York Barbell Rubber Hex Dumbbell The Rubber Hex Dumbbell features durable rubber-covered heads for increased safety and comfort. The rubber coating...

View full details

NOHRD SlimBeam Cable Machine

NOHrD

$2,399.00 - $3,099.00

$2,399.00

NOHrD | SlimBeam NOHRD SlimBeam Cable Machine The NOHRD SlimBeam is a wall-mounted cable machine built on a single wooden beam 215 cm tall an...

View full details

SuperMats Rower/Treadmill Mat

SuperMats

$75.00 - $75.00

$75.00

$75.00 - $75.00

$75.00

SuperMats Equipment Mats For Rowers and Treadmills SuperMat's new Hybrid line of mats offer both quality and performance for a reasonable price. Th...

View full details

TrueForm Trainer Curved Treadmill

TrueForm

$3,999.00 - $4,595.00

$3,999.00

$3,495.00 - $3,995.00

$3,495.00

Self-Powered Curved Treadmill TrueForm Trainer Curved Treadmill The TRUEFORM.TRAINER is the ...

View full details

First Degree Fitness Viking 2 AR Plus Rowing Machine

First Degree Fitness

$1,299.00 - $1,299.00

$1,299.00

$1,299.00 - $1,299.00

$1,299.00

First Degree Fitness FluidRower Viking 2 AR Plus Rowing Machine The Viking 2 AR Plus is designed with simply the best and most gorgeous wooden fr...

View full details

Airofit Pro 2.0 Breathing Trainer

Airofit

$349.00

$349.00 - $349.00

$349.00

$299.00

$299.00 - $299.00

$299.00

Airofit PRO 2.0 Breathing Trainer and Virtual Breathing Coach Increase your energy and improve your overall performance and well-being by respirat...

View full details

Airofit Pro 1.0 Breathing Trainer

Airofit

$379.00

$379.00 - $379.00

$379.00

$299.00

$299.00 - $299.00

$299.00

Airofit Pro System Breathing Trainer and Virtual Breathing Coach The Airofit Pro System consists of an Airofit Breathing Trainer and a Virtual Bre...

View full details

SuperMats Bike Mat

SuperMats

$60.00 - $60.00

$60.00

$60.00 - $60.00

$60.00

SuperMats Equipment Mats For Bikes SuperMat's new Hybrid line of mats offer both quality and performance for a reasonable price. They are the best ...

View full details

NOHRD SlimBeam Aluminum Lat Bar

NOHrD

$159.00 - $159.00

$159.00

$159.00 - $159.00

$159.00

NOHrD SlimBeam NOHRD SlimBeam Aluminum Lat Bar The NOHRD SlimBeam Aluminum Lat Bar measures 30 mm in diameter and weighs 5 kg, a wide pulldow...

View full details

NOHRD SlimBeam Wood Extension Handle Bars

NOHrD

$69.00 - $89.00

$69.00

NOHrD SlimBeam NOHRD SlimBeam Wood Extension Handle Bars The NOHRD SlimBeam Wood Extension Handle Bars come as a set of two, a pair of wooden...

View full details

InBody H20N Smart Weight Analyzer Scale

InBody

$299.00 - $299.00

$299.00

$299.00 - $299.00

$299.00

InBody | H20N InBody H20N Smart Weight Analyzer Scale The InBody H20N Smart Weight Analyzer Scale is InBody's entry-level home body composition...

View full details

First Degree Fitness Seat Back Kit

First Degree Fitness

$125.00 - $125.00

$125.00

$125.00 - $125.00

$125.00

FluidRower Seat Back Kit Lumbar support that has your back Created with user needs in mind, the Seat Back Kit is the ultimate solution to your post...

View full details

NOHRD SlimBeam Lat Upgrade Set

NOHrD

$79.00 - $79.00

$79.00

$79.00 - $79.00

$79.00

NOHrD SlimBeam NOHRD SlimBeam Lat Upgrade Set The NOHRD SlimBeam Lat Upgrade Set bolts two wheels onto the pull-up bar of the NOHRD SlimBeam ...

View full details

Adapt CABL Compact Cable Trainer

Adapt

$399.99 - $399.99

$399.99

$399.99 - $399.99

$399.99

Adapt CABL Compact Cable Trainer Home workout equipment can take up valuable space. The Adapt Cable Trainer is a wall-mounted cable system designe...

View full details

Garmin Fenix 8 Solar Multisport GPS Smartwatch

Garmin

$1,099.99 - $1,199.99

$1,099.99

$999.99 - $1,099.99

$999.99

Garmin Fenix 8 Solar Multisport GPS Smartwatch | Sapphire Display Be limitless. The fēnix® 8 multisport GPS smartwatch is built for serious a...

View full details

Garmin Forerunner 265 46mm Running Watch

Garmin

$449.99 - $449.99

$449.99

$449.99 - $449.99

$449.99

Garmin Forerunner 265 46mm Running Watch What if your next race was the performance of a lifetime? And garmin coach training plans helped you ...

View full details

Garmin Fenix 8 Pro AMOLED Multisport GPS Smartwatch

Garmin

$1,199.99 - $1,299.99

$1,199.99

$1,099.99 - $1,199.99

$1,099.99

Garmin Fenix 8 Pro AMOLED Multisport GPS Smartwatch Built for athletes and adventurers whose pursuits can make it impractical to carry a phone, thi...

View full details

Garmin Fenix 8 47mm AMOLED Multisport GPS Smartwatch

Garmin

$999.99 - $1,099.99

$999.99

$999.99 - $999.99

$999.99

Garmin Fenix 8 Multisport GPS Smartwatch | 47 mm AMOLED Display Be limitless. The fēnix® 8 multisport GPS smartwatch is built for serious athl...

View full details

Garmin vívoactive 6 GPS Smartwatch

Garmin

$299.99 - $299.99

$299.99

$299.99 - $299.99

$299.99

Garmin vívoactive 6 GPS Smartwatch The Garmin vívoactive® 6 is more than just a smartwatch—it’s a personal wellness coach, fitness tracker, an...

View full details

York Barbell Chrome Dumbbell

York Barbell

$14.50 - $290.00

$14.50

$9.43 - $188.50

$9.43

York Chrome Dumbbell The York Chrome Dumbbell is a highly reflective and attractive dumbbell that makes a BIG visual impact in any setting. The knu...

View full details

First Degree Fitness FluidRower Elevate Kit (For Viking & Apollo)

First Degree Fitness

$125.00 - $125.00

$125.00

$125.00 - $125.00

$125.00

FluidRower Elevate Kit Heighten your indoor rowing experience Designed to provide users with a raised entry and exit point, the Elevate K...

View full details

Shop Fitness