Is Gym Membership HSA-Eligible? (2026)
Gym memberships are generally NOT HSA-eligible, even for general health.
Typical Cost
$20–$100+ per month
Details
The IRS does not consider gym memberships, fitness classes, or personal training as qualified medical expenses, even if you exercise for health reasons. However, if a doctor prescribes a specific exercise program to treat a diagnosed medical condition (like obesity, heart disease, or physical therapy), the prescribed portion may be eligible with a letter of medical necessity.
Requirements
Generally ineligible. May qualify only with a letter of medical necessity for a specific diagnosed condition.
Frequently Asked Questions
Can I use my HSA for a gym membership?
Generally no. The IRS does not consider gym memberships a qualified medical expense, even for general health. A doctor's letter of medical necessity for a specific condition may qualify it in rare cases.
Are personal trainers HSA-eligible?
Only if prescribed by a doctor for a specific medical condition with a letter of medical necessity.
Related HSA Expenses
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