HSA/FSA-Eligible Fitness Trackers: 12 Brands and How to Pay
What 12 tracker makers say about HSA and FSA money, when a tracker qualifies, and how paying for Ray with those funds works.
Can you buy a fitness tracker with HSA or FSA money?
Sometimes. A fitness tracker is not automatically an eligible expense. HSA and FSA money is for medical care, and IRS Publication 502 excludes spending that is only beneficial to general health.
A tracker can qualify when you are buying it for a medical need. That is usually documented with a Letter of Medical Necessity from a licensed clinician. Your plan administrator has the final say.
This page is general information, not tax advice.
How sellers handle it
Tracker makers take one of three routes. The table further down shows which one each brand uses.
| Route | What you do | What to keep |
|---|---|---|
| Eligibility check at checkout | Answer health questions through a service such as Truemed. If you qualify, you pay with HSA or FSA funds. | The letter and the receipt |
| HSA/FSA card accepted directly | Pay with your HSA or FSA card like any other card. | The itemized receipt and any letter your plan requires |
| Reimbursement | Pay with a normal card, then submit a claim to your plan. | The itemized receipt and any letter your plan requires |
Rules differ by brand and sometimes by model, and a membership may be treated differently from the hardware. Do not rely on a retailer's "FSA eligible" label without checking the maker's page or your plan.
What each maker says
Twelve brands, summarized from each maker's own HSA/FSA page. Each name links to that page.
| Brand | What the maker says | How you pay |
|---|---|---|
| Chargerless Ray | You can pay with HSA or FSA funds if Truemed approves the purchase. US only. | Choose Pay with HSA/FSA at checkout; Truemed checks eligibility. |
| Oura | Most Oura Ring purchases and prepaid membership with a new ring are eligible. Protection plans are excluded. | Use an HSA or FSA card on Oura's store, or claim reimbursement. Ongoing memberships can use an HSA/FSA card in the Membership Hub or be submitted for reimbursement. |
| WHOOP | WHOOP lists One, Peak and Life memberships paid in full at purchase; it lists 1- and 12-month purchases as eligible. Monthly payments after the initial commitment are not. | Use Truemed at WHOOP's join checkout or in-app membership extensions, or claim reimbursement; check with your plan. |
| Garmin | Selected Garmin smartwatches and fitness devices can qualify for US customers; check the linked product list. | Pay with a regular card, complete the Truemed survey on the purchase day, then claim reimbursement if approved. |
| Google Fitbit Air | Standard models bought in the US from June 15, 2026 can be eligible; special editions are excluded. Google does not guarantee reimbursement. | HSA or FSA card where the retailer accepts it, or claim reimbursement. |
| Withings | Smartwatches can be eligible with a Letter of Medical Necessity. | Use Truemed at checkout. Withings says a cart with Withings+ requires an invoice submitted for reimbursement. |
| Amazfit | Listed smartwatches and Helio Strap can qualify through Truemed for eligible customers. | Choose Truemed at checkout, complete the survey and pay with an HSA or FSA card. |
| COROS | Watches and the heart rate monitor are eligible through Truemed. | Choose Truemed at checkout on COROS's own store. |
| Ultrahuman | Ring AIR is listed as HSA/FSA eligible. | Choose Flex or Sika at checkout and pay with an HSA or FSA card. |
| RingConn | Gen 2, Gen 2 Air and Gen 3 rings are listed as eligible. Some purchases may need a Letter of Medical Necessity. | Choose the Flex option at checkout. |
| Samsung Galaxy Ring | Galaxy Ring can qualify for reimbursement; check with your plan first. | Samsung's store does not take HSA or FSA cards. Pay another way, then claim. |
| Apple Watch | May be reimbursable; Apple says to check with your plan administrator. | Ask your plan about reimbursement; Apple does not specify direct HSA/FSA card acceptance here. |
We found no HSA/FSA statement on Polar's site. That does not mean a Polar tracker cannot be reimbursed; ask your plan.
Summarized from each maker's own pages checked on November 9, 2026. Makers change these terms, and some list different models on different pages, so confirm on the linked page before you buy. Chargerless makes Ray.
How to pay for Ray with HSA or FSA funds
You can pay for Ray with HSA or FSA funds through Truemed, if Truemed approves your purchase.
- Add Ray to your bag and go to checkout.
- Choose Pay with HSA/FSA.
- Continue with Truemed. Truemed checks your eligibility and securely collects your payment details.
What happens next depends on Truemed's decision:
- Approved: your order is confirmed.
- Under review: we receive your order and email your confirmation once the payment is approved. Review usually takes less than a day.
- Not approved: no order is placed and you are not charged. Your bag is saved, so you can check out with a card instead.
Approval is Truemed's decision, not ours, and it is not guaranteed. Ray currently ships within the United States only.
Spending FSA money before a deadline
Many FSAs lose unspent money at the end of the plan year, so buyers often shop late in the year. Two things to check first:
- The shipping estimate. Ray is sold in batches. See the current estimate on the order page before you buy.
- Which date your plan counts. Ask your administrator whether an expense counts on the day you pay or the day the item is delivered.
What Ray is, and is not
Ray is a 7-gram, screenless wrist tracker powered by light. It records sleep, heart rate, HRV, temperature trends, activity and light exposure, with no subscription.
Ray is a consumer wellness product. It is not a medical device and is not for medical monitoring or emergency decisions. Whether it meets a medical need for you is a question for the clinician reviewing your purchase and for your plan.
Questions to ask your plan administrator
- Does my plan accept a Letter of Medical Necessity for a wearable?
- Do you need the letter before the purchase, or with the claim?
- Does the purchase date or the delivery date decide which plan year it falls in?
- Is an app membership treated the same way as the device?
For the short version, see can I pay for Ray with HSA or FSA funds?
Choose Pay with HSA/FSA in your bag and Truemed will check eligibility before you pay.
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