Flex: pay with HSA/FSA

Flex lets you use pre-tax HSA and FSA money on health products like fitness gear, sleep tech and skincare, at checkout or by claiming it back after you pay. Here is how it works, what it costs, the catch, and the 83 stores in our directory that use it.

See 83 stores Is it legit?

How Flex works

At checkoutPick FlexChoose “Flex | Pay with HSA/FSA”
If neededQuick chatA licensed clinician reviews it; the letter usually comes within 2 hours
PayHSA/FSA cardOr a regular card, then claim it back from your plan

Items that are always eligible, such as first aid, need no letter: Flex checks them automatically.

Is it right for you?

Good for

Using HSA or FSA money you already have, especially FSA money that would expire
Gear tied to a health condition, such as a treadmill, a sleep device or a breast pump
Partner stores, where Flex usually costs nothing extra

Watch out for

Your plan can refuse the claim, even with a letter
You must answer the health questions honestly; items only good for general health don't qualify
The saving is tax you don't pay, so it depends on your tax bracket

Two ways stores use Flex

At checkout
Pick Flex as your payment method and pay with your HSA or FSA card. If your order mixes eligible and other items, Flex charges the eligible part to your HSA or FSA card and the rest to a second card.
After you pay
At some stores (2 in our list), you pay with a regular card, then choose Get Reimbursed. If you qualify, you get a letter of medical necessity and claim the money back from your plan yourself. Flex doesn't file the claim or pay you directly.

Stores that take Flex

We saw Flex on each store's own website or checkout. Many also let you pay over time, shown on each store's page.

All stores 83 stores

Sort

Alen
Pay later
Health & recovery
Air purifiers and replacement filters for homes and offices, including the BreatheSmart line.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Alen
AquaSonic
Pay later
Beauty & personal care
Sells sonic electric toothbrushes and oral care.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit AquaSonic
Bala
Pay later
Fitness & sports
Sells wearable weights, Bala bars and design-led fitness accessories.
Klarna · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Bala
Bebird
Pay later
Health & recovery
Sells visual ear cleaning tools and ear care devices.
Klarna · Cash App Afterpay · SezzleHSA/FSA
Checked Nov 13, 2026
Visit Bebird
Bed Fans
Pay later
Furniture & mattresses
Sells the bFan, a fan that cools your bed under the sheets.
Affirm · SezzleHSA/FSA
Checked Nov 14, 2026
Visit Bed Fans
Beurer
Pay later
Health & recovery
Sells blood pressure monitors, TENS units, massagers and other health devices.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Beurer
Bluemercury
Pay later
Beauty & personal care
Luxury beauty and spa chain selling high-end skincare, makeup and fragrance.
KlarnaHSA/FSA
Checked Nov 14, 2026
Visit Bluemercury
Branch Basics
Pay later
Home improvement
Sells plant-based cleaning concentrates and refill kits.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Branch Basics
Cadense
Pay later
Clothing & shoes
Sells adaptive shoes and slippers for people with mobility challenges.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Cadense
CAROL Bike
Pay later
Fitness & sports
Sells the CAROL AI exercise bike for short, high-intensity workouts at home.
AffirmHSA/FSA
Checked Nov 14, 2026
Visit CAROL Bike
Clé de Peau Beauté
Pay later
Beauty & personal care
Makes luxury Japanese skincare and makeup.
Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Clé de Peau Beauté
Coop Sleep Goods
Pay later
Furniture & mattresses
Sells adjustable pillows, mattresses and bedding.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Coop Sleep Goods
Cradlewise
Pay later
Baby & kids
Sells a smart convertible crib with a built-in bassinet that detects stirring and gently bounces babies back to sleep.
Klarna · Affirm · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Cradlewise
Dermalogica
Pay later
Beauty & personal care
Professional skincare brand selling cleansers, exfoliants and treatments.
Klarna · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit Dermalogica
Dermstore
Pay later
Beauty & personal care
Online skincare retailer selling professional and luxury skincare, hair care and beauty devices.
Klarna · Cash App Afterpay · SezzleHSA/FSA
Checked Nov 13, 2026
Visit Dermstore
DIFF Eyewear
Pay later
Glasses & eyewear
Affordable designer-style sunglasses and blue-light glasses.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit DIFF Eyewear
Dr. Dennis Gross
Pay later
Beauty & personal care
Makes dermatologist-developed skincare, peels and LED light therapy devices.
Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Dr. Dennis Gross
Dreame
Pay later
Home improvement
Sells robot vacuums, wet-dry vacuums, cordless cleaners and robot lawn mowers.
Klarna · Affirm · Shop Pay Installments +1HSA/FSA
Checked Nov 14, 2026
Visit Dreame
Dreamland Baby
Pay later
Baby & kids
Sells weighted sleep sacks and swaddles for babies.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Dreamland Baby
Etekcity
Pay later
Health & recovery
Sells smart scales, massagers and kitchen scales.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Etekcity
Eufy
Pay later
Home improvement
Smart home brand selling security cameras, video doorbells, robot vacuums and baby monitors.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Eufy
Evo
Pay later
Bikes, water & outdoors
Outdoor retailer selling ski, snowboard, bike, surf and camping gear plus apparel.
Affirm · PayPal Pay LaterHSA/FSA
Checked Nov 14, 2026
Visit Evo
Exxentric
Pay later
Fitness & sports
Makes flywheel strength-training equipment such as the kBox and kPulley for home gyms and clinics.
SplititHSA/FSA
Checked Nov 13, 2026
Visit Exxentric
eyebobs
Pay later
Glasses & eyewear
Sells reading glasses, blue light glasses and prescription eyewear.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit eyebobs
Firefly Recovery
Pay later
Health & recovery
Sells wearable muscle recovery devices.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Firefly Recovery
Huckleberry Bicycles
Pay later
Bikes, water & outdoors
Bike shop selling road, mountain and e-bikes and gear, shipped across the US.
Shop Pay Installments · Synchrony Pay LaterHSA/FSA
Checked Nov 14, 2026
Visit Huckleberry Bicycles
Hyperice
Pay later
Health & recovery
Hyperice makes recovery tech, including Hypervolt massage guns and Normatec compression boots and legs.
Shop Pay Installments · PayPal Pay LaterHSA/FSA
Checked Nov 14, 2026
Visit Hyperice
Ingrid & Isabel
Pay later
Clothing & shoes
Sells maternity clothes, belly bands and postpartum essentials.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Ingrid & Isabel
Johnson Fitness & Wellness
Pay later
Fitness & sports
Sells treadmills, ellipticals, exercise bikes, strength equipment and massage chairs.
AffirmHSA/FSA
Checked Nov 14, 2026
Visit Johnson Fitness & Wellness
K18
Pay later
Beauty & personal care
Biotech hair repair masks and treatments for damaged hair.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit K18
Kindred Bravely
Pay later
Clothing & shoes
Sells nursing bras, maternity clothes and postpartum essentials.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Kindred Bravely
Landice
Pay later
Fitness & sports
Sells treadmills, ellipticals and exercise bikes.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Landice
Lathrop & Sons
Pay later
Clothing & shoes
Sells custom-fit hunting boots and orthotics.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Lathrop & Sons
Lettuce Grow
Pay later
Home decor & garden
Sells Farmstand hydroponic gardens and seedlings.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Lettuce Grow
LIT Method
Pay later
Fitness & sports
Sells cold plunges, saunas, resistance training machines and fitness equipment for home and commercial use.
Bread PayHSA/FSA
Checked Nov 14, 2026
Visit LIT Method
LOLA
Pay later
Beauty & personal care
Sells organic period care, sexual wellness and feminine care products.
Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit LOLA
Look Optic
Pay later
Glasses & eyewear
Sells reading glasses, progressives, sunglasses and blue light glasses.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Look Optic
Mike's Bikes
Pay later
Bikes, water & outdoors
California bike retailer selling road, mountain and electric bikes.
Shop Pay Installments · Synchrony credit cardHSA/FSA
Checked Nov 14, 2026
Visit Mike's Bikes
Momcozy
Pay later
Baby & kids
Sells wearable breast pumps, nursing bras, baby carriers and baby care products.
Klarna · Cash App Afterpay · PayPal Pay LaterHSA/FSA
Checked Nov 14, 2026
Visit Momcozy
Myprotein
Pay later
Health & recovery
Sports nutrition brand selling protein powder, supplements and activewear.
KlarnaHSA/FSA
Checked Nov 13, 2026
Visit Myprotein
Nanit
Pay later
Baby & kids
Smart baby monitors with sleep tracking and breathing wear.
Affirm · Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Nanit
Nanobébé
Pay later
Baby & kids
Sells baby bottles, breast pumps and breastmilk storage.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Nanobébé
NordicTrack
Pay later
Fitness & sports
Sells NordicTrack treadmills, exercise bikes, ellipticals and rowers with iFIT training.
Klarna · AffirmHSA/FSA
Checked Nov 14, 2026
Visit NordicTrack
NuFACE
Pay later
Beauty & personal care
Sells microcurrent facial and body toning devices and skincare.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit NuFACE
Oars + Alps
Pay later
Beauty & personal care
Sells deodorant, sunscreen and skincare essentials.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Oars + Alps
OluKai
Pay later
Clothing & shoes
Makes Hawaiian-inspired sandals, shoes and slippers for men and women.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit OluKai
OOFOS
Pay later
Clothing & shoes
Recovery sandals, slides and shoes with impact-absorbing foam.
Klarna · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit OOFOS
Osaki
Pay later
Health & recovery
Massage chair brand selling full-body zero-gravity massage chairs.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Osaki
Oura Ring
Pay later
Health & recovery
Maker of the Oura smart ring that tracks sleep, activity, heart rate and readiness.
Klarna · AffirmHSA/FSA
Checked Nov 14, 2026
Visit Oura Ring
Ozlo
Pay later
Cameras & electronics
Sells Ozlo Sleepbuds, earbuds built for sleeping.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Ozlo
Pair Eyewear
Pay later
Health & recovery
Sells customizable prescription glasses and sunglasses with swappable magnetic top frames.
Klarna · Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Pair Eyewear
Perfectly Snug
Pay later
Furniture & mattresses
Sells smart cooling and heating mattress toppers.
Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Perfectly Snug
Perricone MD
Pay later
Beauty & personal care
Clinical skincare brand known for anti-aging serums, moisturizers and supplements.
Klarna · Cash App Afterpay · SezzleHSA/FSA
Checked Nov 13, 2026
Visit Perricone MD
Petlibro
Pay later
Pets
Sells automatic pet feeders, water fountains and smart pet products.
Klarna · Affirm · Shop Pay Installments +1HSA/FSA
Checked Nov 14, 2026
Visit Petlibro
Pillow Cube
Pay later
Furniture & mattresses
Cube pillows for side sleepers plus adjustable bed frames.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Pillow Cube
Pop On Veneers
Pay later
Health & recovery
Makes custom removable snap-on veneers and night guards.
Klarna · Affirm · Shop Pay Installments +2HSA/FSA
Checked Nov 13, 2026
Visit Pop On Veneers
Power Plate
Pay later
Fitness & sports
Sells vibration plate machines for training and recovery.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Power Plate
PowerBlock
Pay later
Fitness & sports
Adjustable dumbbells, stands and home gym equipment.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit PowerBlock
Qure Skincare
Pay later
Beauty & personal care
Sells at-home skincare devices and clinical skincare.
Klarna · Shop Pay Installments · Cash App Afterpay +1HSA/FSA
Checked Nov 14, 2026
Visit Qure Skincare
Rabbit Air
Pay later
Home improvement
Sells quiet HEPA air purifiers and replacement filters.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Rabbit Air
Reliefband
Pay later
Health & recovery
Sells anti-nausea wristbands for motion sickness and pregnancy.
Klarna · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Reliefband
Ride1Up
Pay later
Bikes, water & outdoors
Direct-to-consumer e-bike brand selling commuter, road and cargo electric bikes at value prices.
Affirm · PayPal Pay LaterHSA/FSA
Checked Nov 14, 2026
Visit Ride1Up
RingConn
Pay later
Health & recovery
Sells smart rings for sleep, health and activity tracking.
Klarna · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit RingConn
Sennheiser
Pay later
Cameras & electronics
Sells headphones, hearing assistance products and soundbars.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Sennheiser
Shiseido
Pay later
Beauty & personal care
Makes Japanese skincare, sunscreen and makeup.
Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Shiseido
Sleep Doctor
Pay later
Health & recovery
Sells home sleep tests, CPAP machines, masks and supplies.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Sleep Doctor
Sleep Number
Pay later
Furniture & mattresses
Sells Sleep Number smart beds, mattresses, bases and bedding.
Affirm · Synchrony Pay LaterHSA/FSA
Checked Nov 14, 2026
Visit Sleep Number
Snibbs
Pay later
Clothing & shoes
Sells slip-resistant work shoes for healthcare and service workers.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Snibbs
SNOOZ
Pay later
Health & recovery
Sells white noise machines and sleep products.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit SNOOZ
Solly Baby
Pay later
Baby & kids
Sells baby wraps, carriers and swaddles.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Solly Baby
SQAIRZ
Pay later
Clothing & shoes
Sells golf, baseball and pickleball shoes.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit SQAIRZ
Stoggles
Pay later
Glasses & eyewear
Sells prescription and non-prescription safety glasses.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Stoggles
Sven & Son
Both
Furniture & mattresses
Sells adjustable beds, mattresses and bedding.
Klarna · Affirm · Shop Pay Installments +2HSA/FSA
Checked Nov 14, 2026
Visit Sven & Son
Tatcha
Pay later
Beauty & personal care
Japanese-inspired luxury skincare brand known for The Water Cream and The Dewy Skin Cream.
Klarna · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Tatcha
Therabody
Pay later
Health & recovery
Sells Theragun massage guns and recovery, compression and skincare devices.
Klarna · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit Therabody
Tubby Todd
Pay later
Baby & kids
Sells gentle bath and skincare for babies, kids and families.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit Tubby Todd
Tushbaby
Pay later
Baby & kids
Sells hip seat baby carriers, diaper bags and baby gear.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Tushbaby
TUSHY
Pay later
Home improvement
Sells bidet attachments, warm water bidets and bathroom accessories.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit TUSHY
Ultrahuman
Pay later
Health & recovery
Sells the Ultrahuman Ring, a smart ring that tracks sleep, activity and recovery, plus home health devices.
Klarna · Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Ultrahuman
WaterRower
Pay later
Fitness & sports
Handcrafted wooden water rowing machines and NOHRD gym equipment.
Bread Pay · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit WaterRower
Wattbike
Pay later
Fitness & sports
Sells smart indoor bikes for training at home.
AffirmHSA/FSA
Checked Nov 14, 2026
Visit Wattbike
Wiley X
Pay later
Glasses & eyewear
Sells sunglasses, safety glasses and prescription eyewear.
Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Wiley X
Willow
Pay later
Baby & kids
Sells wearable breast pumps and breastfeeding accessories.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Willow

Showing 24 of 83

Some stores use Truemed or Sika instead. See every store on our HSA and FSA stores page, or read how Truemed works.

Questions people ask

Is Flex legit?

Yes. Flex Technology Co. is a real company that works with hundreds of health and wellness brands, from Sleep Number to NordicTrack. It is listed in Y Combinator's company directory and Stripe's partner directory. Flex does not make medical decisions itself: licensed clinicians decide on letters of medical necessity, and your HSA or FSA plan still decides whether to pay.

Does Flex cost anything?

At partner stores there is usually no extra cost. Flex says its fee is already included in the price, and any separate fee is shown before you pay. The saving comes from paying with pre-tax money, so it depends on your tax bracket. The "save 30%" figure Flex uses is an example, not a promise.

Why can't I see Flex at checkout?

On Shopify stores, Flex can be hidden if you are signed in to Shop Pay. Flex suggests checking out as a guest to see more payment options. At some stores Flex comes after you pay instead: look for a Get Reimbursed link after your order.

What if I don't have my HSA or FSA card with me?

Pick Flex anyway and pay with a regular card. Then sign in to the Flex portal with the same email, download your itemized receipt and letter, and claim the money back from your plan.

Can I split the payment?

Yes, if your order mixes eligible and other items: Flex charges your HSA or FSA card for the eligible part and asks for a second card for the rest. You can't use two HSA or FSA cards on one order.

What if my claim is refused?

Your plan can refuse a claim even with a letter of medical necessity, and employer FSAs can set stricter rules than the IRS. Then you pay with other money. Check with your plan before a big purchase, and keep your letter and receipt for at least three years.

Sources

Checked Nov 14, 2026.

Meedsy is not a tax adviser, lender or retailer, and is not connected to Flex. This is general information, not tax advice. “Visit” links may be affiliate links, and we may earn a commission. How we make money