Best HSA-Eligible Fitness Gear Right Now
Did you know you can use your HSA funds to buy select fitness gear? There’s a process you’ll need to go through to see if you qualify, but if you do, it can be a great way to put those funds toward things that support your health and training. It may be worth taking a closer look.
A Health Savings Account (HSA) is money that you set aside for health-related expenses. These funds roll over from year to year and are considered pre-tax dollars.
There are indeed fitness gear items that you can use HSA on! BUT even if you see that a pair of shoes or a piece of gym equipment is listed as HSA-eligible, it’s often only if purchased via specific websites that will accept HSA cards.
For example, brands like Hoka and Brooks are typically recommended for conditions like plantar fasciitis or walking with knee pain, but the brand’s website will decline an HSA card.
Instead, there are platforms and services that help guide you through the process and confirm eligibility, making it much easier to purchase approved gear. We’ll provide you those links and link to the items here where you can purchase with an HSA card.
Let’s take a look at the best HSA-eligible fitness gear and some tips on how to use your HSA funds.
Using HSA funds for Fitness Gear
Before we set you free into the world of HSA-eligible fitness gear, here are a few things you should know about how using your HSA funds actually works.
Proof of Eligibility
When it comes to running shoes, not every pair is eligible for HSA funds. Sorry, you won’t be able to add those fancy carbon-fiber shoes at checkout.
Check with your HSA provider, but you may need to obtain a letter of medical necessity (LMN) stating that your specific pair of running shoes is part of your treatment. Here are some of the more common foot conditions that HSA funds are approved for:
The same thing goes for fitness equipment. You need to typically provide an LMN during the checkout process. The piece of equipment needs to be prescribed by a doctor as part of your treatment plan. Some common medical conditions that HSA funds are approved for typically are:
- post-surgery rehab
- joint issues like knee or hip pain
- cardiovascular conditions like heart disease or high blood pressure
- type 2 diabetes
Where to Shop with HSA Funds
You can’t just head to a brand’s website or walk into a store and expect your HSA card to work.
More often than not, an HSA payment will get automatically declined because the system doesn’t recognize the item as eligible or approved.
Before buying anything, it’s a good idea to do a quick Google search on the brand and see what their HDSA process looks like.
Or, to make things easier, you can use websites like truemed.com, which breaks everything down into categories and brands and walks you through each step.
A lot of the brands we call out below will let you go through the motions on their website and then connect you over to truemed.com to finish your purchase.
Best HSA- Eligible Running Shoes
Altra
Altra is the only running footwear company to feature the cushioned Zero Drop™ platform and FootShape™ toe box technologies.
This zero-drop concept offers a level platform underfoot, encouraging a stride that is naturally balanced. In fact, the zero-drop idea was actually coined and popularized by the founders of Altra.
And, just as important, every Altra shoe has a large, foot-shaped toe box and a wider forefoot. This allows a runner’s toes to relax, spread out, and move naturally, while the big toe stays in a straight position for maximum stability and power.
We have put together our picks for best Altra Running Shoes in this list to help narrow down your search.
But in the meantime, here’s a shoe from Altra that often winds up on many of our lists.
Altra Torin 8
Who is the Altra Torin 8 made for? Let’s break it down by some common categories
- Wide Feet: Unless you have extremely wide feet and flat arches this should work for you
- Heavier Runners: The EVA/TPU midsole did hold up well for this heavy runner
- Long Runs: Absolutely, assuming you’ve worked up to long distances (the exact opposite of what I did)
- Front of the Pack: Could be used for some tempo work, but not big speed workouts.
Read our full review of the Altra Torin 8 here.
Buy Altra Torin 8 for $150 here.
Kuru
This is another brand that stands out, similar to Altra, with shoes designed specifically to help reduce foot pain, especially from plantar fasciitis.
Kuru shoes feature a sole that offers a bit of extra cushioning to help absorb the natural impact of each stride.
That added support can make a noticeable difference if you spend a lot of time on your feet.
While Kuru shoes can work for running and workouts, the brand’s main focus is on reducing foot pain while still delivering solid everyday performance.
Much of that comes from their patented sole design, which cups around the heel to provide additional support and help stabilize the foot as you move.
Here are two Kuru shoes that our team of testers gave a double-thumbs-up.
Kuru ATOM 2
Who is the KURU Atom 2 a good fit for? Let’s break it down with some common categories:
- Walking Workouts: It’s a heavier shoe, so you may want a different option.
- Wide Feet: Lots of space but it also is available in wide!
- Standing All Day: Just the right amount of support without sinking into the shoe.
- Daily Wear: Comfortable and stylish to dress up or keep casual for a workout.
Read our full review of the Kuru ATOM 2 here.
Buy Kuru Atom 2 for $165 here.
Kuru FLEX Via
Who is Kuru Flex Via a good fit for? Let’s break it down with some common categories:
- Walking Workouts: It’s a heavier shoe, so you may want a different option.
- Wide Feet: Lots of space but it also is available in wide!
- Standing All Day: Just the right amount of support without sinking into the shoe.
- Daily Wear: Comfortable and stylish to dress up or keep casual for a workout.
Read our full review of the Kuru FLEX Via here.
Buy Kuru FLEX Via for $129 here.
Veloci Mesa
Who is the Veloci Mesa a good fit for? Let’s break it down with some common categories:
- Wide Feet: The Mesa’s roomy toe box encourages natural foot movement and spread. Most wide feet should find these comfortable, but if your feet are consistently wide or wide at the heel, you may need to size up.
- Heavier Runners: Heavier runners may benefit from the impact-dampening foam and extra stability offered by the Veloci Mesa.
- Long Runs: The cushy foam, natural foot shape, and high heel drop are fantastic for high-mileage days.
- Front of the Pack: These are not super shoes, but they are lightweight and comfortable. Fast runners who struggle with pronation or heel pain may find these shoes allow them continue to compete.
Read our full review of the Veloci Mesa here.
Buy Veloci Mesa for $180 here.
Flux Adapt Runner
Who is the Flux Adapt Runner a good fit for, let’s break it down by some common categories:
- Wide Feet: While the toe box is generous, it’s a snug fit through the midfoot and heel.
- Heavier Runners: The Phylon midsole helps with durability.
- Long Runs: If you’re used to a zero drop shoe, these definitely work for long runs. If you aren’t, make sure to work your way up to it or keep runs shorter.
- Front of the Pack: More of a training shoe that a race day shoe.
Read our full review of the Flux Adapt Runner here.
Buy Flux Adapt Runner for $140 here.
Brooks Ghost 17
Who is Brooks Ghost 17 a good fit for? Let’s break it down with some common categories:
- Wide Feet: Available in 4 different widths, so there’s an option for everyone.
- Heavier Runners: A stable ride underfoot, but you may want a shoe with more cushioning.
- Long Runs: It’s a winner for easy-paced, longer runs!
- Front of the Pack: While it won’t hold you back from tempo runs, it’s not a fast shoe.
Read our full review of the Brooks Ghost 17 here.
Buy Brooks Ghost for $150 here.
Asics Gel Kayano 32
Who is Asics Gel-Kayano 32 a good fit for? Let’s break it down with some common categories:
- Wide Feet: Sizable base and stretchy upper, also comes in wide width (and even narrow if that’s your need!).
- Heavier Runners: Nice stability, cushion, and durability to support you.
- Long Runs: Amazing option for those long miles. Cushion and stability to keep things feeling fresh and smooth.
- Front of the Pack: Not a shoe for any speed work, but a great option for some recovery runs.
Read our full review of the Asics Gel Kayano 32 here.
Buy Asics Gel Kayano for $165 here.
Best HSA- Eligible Gym Equipment
NordicTrack
NordicTrack is an industry leader in exercise equipment and provides a wide range of interactive machines that appeal to both casual and serious cardio lovers thanks to their unique features, simple user interfaces, and dynamic workouts set in various locations.
Whether you’re a beginner looking for a budget-friendly option or a serious runner seeking advanced features and performance, there’s a NordicTrack treadmill that’s right for you.
All of NordicTrack gym equipment is eligible for HSA funds directly through their website.
NordicTrack’s process to pay with HSA is super streamlined and easy to use. Once your eligibility is approved, you can use your HSA directly on the NordicTrack checkout page.
We’ve put together a full list of the best Nordictrack Treadmills here for you to make it easier.
In the meantime, here’s one of our top picks for NordicTrack treadmills after Amanda’s long time use with the machine in her home gym.
NordicTrack 2450
Who is NordicTrack 2450 a good fit for? Let’s break it down with some common categories:
- General Fitness: If just looking for a walking treadmill, you could go with a lower model and save a lot.
- Heavier Users: Deck is very sturdy and machine will feel solid, weight limit 400lbs.
- Endurance: Deck is very comfortable for longer runs and plenty of ways to stay entertained.
- Intervals: Motor is fantastic for quick speed changes.
Read our full review of the NordicTrack 2450 and comparison to the 1750 here.
iFit Subscription
Yep, your HSA even covers an iFit subscription. Whether you have NordicTrack machines or not, this is a great subscription for its progressive programming and content library, which offers enough variety for every type of user.
Peloton
Peloton is another brand where all of its gym equipment is eligible for HSA funds- Bike, Bike+, Tread, Tread+. Row+
You’ll walk through the typical purchasing process either online or through the app, and then it’ll redirect you to the Truemed website, where you’ll go through some questions, upload your LMN, and check out.
This means you will be redirected away from the Peloton website, so make sure everything you want to purchase is in your cart before the final steps.
In the meantime, here’s our review and thoughts on the Peloton treadmill.
Peloton Tread+
Who is the a Peloton Tread+ good fit for? Let’s break it down with some common categories:
- General Fitness: It’s great if you want the screen + classes to stay motivated but there’s for sure cheaper options out there.
- Heavier Users: Deck is super sturdy and feels solid underfoot, weight limit 300lbs.
- Endurance: Between the smooth slatted belt and screen, you’ll be happy for hours.
- Intervals: The dials on the sides help with quick transitions for pace and hills
Read our full review of the Peloton Tread+ here.
Buy Peloton Tread+ for $5,995 here.
DeerRun Walking Pad
Who is the DeerRun Walking Pad good fit for? Let’s break it down with some common categories:
- General Fitness: Great to throw under your desk for while you’re working or while watching tv
- Heavier Users: Platform is feels stable and supports a weight limit 300lbs. which is solid for a walking pad
- Endurance: Great for getting your daily steps in throughout the day.
- Intervals: Keep things at an easy pace, plus you’re not going to be able to go over 7mph anways
Buy DeerRun Walking Pad for $249 here.
Wahoo KICKR Run Treadmill
Who is the Wahoo KICKR Run good fit for? Let’s break it down with some common categories:
- General Fitness: There’s no screen and way cheaper options out there that won’t break your budget
- Heavier Users: Deck is super sturdy and feels solid underfoot, weight limit 250lbs.
- Endurance: The belt is super smooth and you have the ability to turn on free mode or the side to side tilt for “outdoor” running experience
- Intervals: The paddles on the sides help with quick transitions for pace and hills but does take a little bit of time to change
Read our full review of the Wahoo KICKR Run here.
Buy Wahoo KICKR Run for $7,000 with white glove installation here.
Hydrow Origin Rower
Who is the Hydrow Rower a good fit for? Let’s break it down with some common categories:
- General Fitness: Either sign up for a membership or use “just row” and get a great workout!
- Heavier Users: Not ideal for those over 375lbs in terms of overall rower stability.
- Endurance: A perfect option for cross-training to become a stronger runner.
- Intervals: Over 5,000 classes from beginner to advanced.
Read our full review of the Hydrow Origin Rower here.
Buy Hydrow Origin Rower for $2,195 here.
Speediance Gym Monster
Who is the Speediance a good fit for? Let’s break it down with some common categories:
- General Fitness: Absolutely! You don’t have any paid membership to get a ton of workouts and it easily adjusts based on your level.
- Heavier Users: Solid frame, shouldn’t have any issues with 95% of movements you’d be doing. It’s designed to lift heavy and because you stand on the platform, you’ll be adding to the stability of the machine.
- Endurance: Not a cardio machine.
- Heavy Lifting: Absolutely designed to assist you in getting to those heavy weights safely. The bluetooth ring allows you to run the weight on once your are in position.
Read our full review of the Speediance Gym Monster here.
Buy Speediance Gym Monster for $2,749 here.
Echelon Stride-8s Treadmill
Who is Echelon Stride-8s a good fit for? Let’s break it down with some common categories:
- General Fitness: With endless class options, guided scenic rides, and gamified workouts, Stride-8s is a great option to have fun while staying fit.
- Heavier Users: Stride-8s’ 300 lb limit will work for many users but may not be the best choice for folks in bigger bodies.
- Endurance: The surface is a little on the firm side – not our first choice for the longest of long runs, but also not a problem for most runs.
- Intervals: Whole-number speed and incline changes are simple using on-screen buttons, but precise 0.1-level tweaks rely on trackballs that are imprecise and difficult to use on the move. Not ideal for interval work.
Read our full review of the Echelon Stride-8s Treadmill here.
Buy Echelon Stride-8s for $1,250 here.
Echelon Connect EX-5 Bike
Who is Echelon Connect EX-5 Bike a good fit for? Let’s break it down with some common categories:
- General Fitness: Since there’s no screen attached, it may be on the pricier side but it’s a great at-home fitness bike
- Heavier Users: The bike supports up to 300lbs and the handles are adjustable so you can customize the fit
- Endurance: Great for longer rides once you find the right setup, you can pedal for hours
- Intervals: 32 levels of magnetic resistance will provide a great workout whether on flats or hills. You can change this on the bike or through the app.
Buy Echelon Connect EX-5 for $1,250 here.
Alright, we hope this helped you better understand how using your HSA funds for fitness gear works.
Our team will continue to keep this list updated as new gear becomes available or existing options are updated.
What to read next?
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