Are Fitness Trackers FSA Eligible in 2025?

As an endurance sports coach, I often get questions from athletes about using their FSA (Flexible Spending Account) funds for fitness trackers. Let's dive into what you need to know about FSA eligibility for fitness trackers in 2025 and how these devices can support your training goals.

What Is a Fitness Tracker?

A fitness tracker is a wearable device that monitors various health metrics:

FSA Eligibility for Fitness Trackers

The Short Answer

It depends. Fitness trackers CAN be FSA eligible, but only with a Letter of Medical Necessity (LMN) from a healthcare provider.

Requirements for Eligibility:

1. Letter of Medical Necessity

- Must be prescribed by a doctor

- Must specify the medical condition being treated

- Must explain why the fitness tracker is medically necessary

2. Qualifying Medical Conditions

- Obesity or weight management

- Heart conditions requiring HR monitoring

- Diabetes management

- Sleep disorders

- Physical therapy/rehabilitation

What's NOT Covered

How to Get Your Fitness Tracker FSA Approved

Step 1: Talk to Your Doctor

Discuss how a fitness tracker would help manage a medical condition.

Step 2: Get a Letter of Medical Necessity

The letter should include:

Step 3: Submit to Your FSA Administrator

Best Fitness Trackers for Athletes (2025)

For Runners

For Triathletes

For Budget-Conscious Athletes

Why Athletes Use Fitness Trackers

Training Optimization

Health Monitoring

Race Day Performance

The Bottom Line

While fitness trackers aren't automatically FSA eligible, athletes with qualifying medical conditions can potentially use their FSA funds with proper documentation. The key is working with your healthcare provider to establish medical necessity.

Have questions about incorporating a fitness tracker into your training? Book a consultation to discuss how data-driven training can help you reach your goals.