Is Peloton & Exercise Equipment HSA-Eligible? (2026)
Peloton bikes and exercise equipment are NOT HSA-eligible, even for health purposes.
Typical Cost
$1,400–$2,500 (Peloton bike); $30–$50/month (subscription)
Details
The IRS is pretty clear on this one: exercise equipment is a general health expense, not a medical expense. That means your Peloton, treadmill, rowing machine, or home gym setup doesn't qualify — even if your doctor recommends exercise. The reasoning is that exercise benefits general health rather than treating a specific disease. Some people have tried getting a letter of medical necessity, but HSA administrators rarely approve it for exercise equipment.
Requirements
Not eligible. Exercise equipment is classified as general health, not medical treatment.
Frequently Asked Questions
Is a Peloton HSA-eligible?
No. The IRS doesn't consider exercise equipment a qualified medical expense, even with a doctor's recommendation.
What if my doctor prescribes exercise?
A doctor recommending exercise doesn't make equipment eligible. The IRS draws a line between medical treatment and general fitness.
Related HSA Expenses
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