Use Your HSA to Pay for Personal Training

Many people do not realize that personal training may be eligible for reimbursement through a Health Savings Account (HSA) when it is medically supported.

This page explains how HSA personal training works, who may qualify, and how to use your HSA for fitness training with proper documentation.

What Is a Health Savings Account (HSA)?

A Health Savings Account (HSA) is a tax-advantaged account designed to pay for qualified medical expenses using pre-tax dollars.

HSAs are commonly paired with high-deductible health insurance plans and can be used for a wide range of healthcare-related services when eligibility criteria are met.

In some cases, exercise and personal training can qualify as an HSA-eligible expense.

Is Personal Training HSA Eligible?

Personal training is not automatically HSA eligible, but it may qualify when it is:

  • Prescribed or recommended by a licensed healthcare provider

  • Used to treat, manage, or reduce risk associated with a medical condition

  • Structured as part of a documented health intervention

Examples of conditions that may support HSA reimbursement for fitness training include:

  • Obesity or weight-related health concerns

  • Prediabetes or metabolic syndrome

  • Cardiovascular disease risk factors

  • Hypertension or cholesterol management

  • Musculoskeletal issues or injury prevention

  • Post-rehabilitation or return to activity programs

Eligibility depends on documentation and approval by your HSA administrator.

Letter of Medical Necessity for Personal Training

Most HSA providers require a Letter of Medical Necessity (LMN) to reimburse personal training expenses.

A valid LMN typically includes:

  • A diagnosed medical condition

  • A statement explaining why exercise or training is medically necessary

  • The recommended duration of training

  • The provider’s signature and credentials

The LMN is usually submitted after payment for reimbursement, unless your HSA provider offers pre-approval.