Maximize Your HSA in 2025: Fitness

HSAs are designed to cover qualified medical expenses. While traditional medical costs like doctor’s visits and prescriptions are straightforward, wellness products often fall into a gray area. Some wellness products are HSA-eligible, especially if they are used to treat or alleviate a specific medical condition. In many cases, a Letter of Medical Necessity (LMN) from a healthcare provider is required to justify the expense.

Recent legislative changes have expanded HSA eligibility to include certain fitness expenses. For instance, a tax-and-spending bill passed by the U.S. House of Representatives in May 2025 proposes allowing tax-free HSA withdrawals for fitness expenses, with annual limits of $500 for individuals and $1,000 for families.

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HSA-Eligible Products

1. Cold Plunge Tubs

• Polar Monkeys: Offers cold plunge tubs that can aid in muscle recovery and reduce inflammation.
• The Cold Life: Provides cold therapy solutions beneficial for athletic recovery.
• Ice Pod: Features cold plunge tubs that are FSA-eligible, and they offer guidance on obtaining an LMN for reimbursement.

2. Saunas

• Peak Saunas: Offers infrared saunas that can assist with detoxification and relaxation.
• SaunaBox: Provides portable saunas suitable for home use.

3. Fitness Equipment

• Core Home Fitness: Sells adjustable dumbbells and other fitness equipment. These may be HSA-eligible if prescribed for a specific medical condition and accompanied by an LMN.

4. Wearable Health Devices

• Amazfit: Offers smartwatches and fitness trackers that monitor health metrics. These devices can be HSA-eligible if used to manage a medical condition and supported by an LMN.

5. Pain Relief and Recovery Tools

• Chirp: Provides back pain relief wheels and other recovery tools. These products may qualify for HSA reimbursement when used to treat a diagnosed condition and accompanied by an LMN.

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📝 How to Use Your HSA for These Products

1. Consult Your Healthcare Provider: Discuss your health needs and obtain a Letter of Medical Necessity if required.
2. Purchase the Product: Buy the product using your HSA debit card or pay out-of-pocket and keep the receipt.
3. Submit Documentation: If you paid out-of-pocket, submit the receipt and LMN to your HSA administrator for reimbursement.
4. Retain Records: Keep all documentation in case of IRS inquiries.

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🔗 Additional Resources

• HSA Store Eligibility List: Comprehensive list of HSA-eligible items.
• Cigna’s Eligible Expenses: Detailed guide on what expenses are covered under HSA.
• HealthEquity’s Qualified Medical Expenses: Information on HSA-qualified medical expenses.

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By understanding the eligibility criteria and obtaining the necessary documentation, you can effectively use your HSA funds to invest in wellness products that support your health journey.

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Delve deeper into the world of health and recovery with these insightful articles from Immerse and Recover:

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3. The Best Portable Sauna Options in 2025
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4. Cold Plunge Meets Sauna: The Science of Contrast Therapy for Ultimate Fitness Recovery
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5. Biohacking Across America: Top Wellness Centers in All 50 States
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