Is Fitness Tracker HSA-Eligible? (2026)
Fitness trackers like Apple Watch, Fitbit, and Whoop are NOT HSA-eligible.
Typical Cost
$100–$800 (device); $0–$30/month (subscription)
Details
Apple Watch, Fitbit, Whoop, Garmin, and other fitness trackers are not qualified medical expenses. They're general wellness devices, not medical devices. Even though some can measure heart rate, blood oxygen, or ECG, the IRS doesn't classify them as medical equipment. The FDA clearance for features like ECG hasn't changed the IRS position.
Requirements
Not eligible. Fitness trackers are classified as general wellness devices, not medical equipment.
Frequently Asked Questions
Is an Apple Watch HSA-eligible?
No. Apple Watch is a consumer electronics device, not a medical device, even with its health features.
Is a Whoop band HSA-eligible?
No. Whoop and similar fitness trackers are considered general wellness devices.
What about the ECG feature on Apple Watch?
Still no. Having an FDA-cleared ECG feature doesn't make the whole device a medical expense in the IRS's eyes.
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