Truemed: pay with HSA/FSA

Truemed lets you use pre-tax HSA and FSA money on health products that usually don't qualify, like fitness equipment, sleep tech and supplements. Here is how it works, what it costs, the catch, and the 56 stores in our directory that take it.

See 56 stores Is it legit?

How Truemed works

At checkoutPick TruemedAnswer a short health survey
Clinician reviewGet a letterA licensed clinician decides if the item is medically necessary for you
PayHSA/FSA cardPay with pre-tax money, or claim it back from your plan later

No Truemed button at checkout? Truemed says you can pay with any card, get the letter, and send it to your plan to claim the money back.

Is it right for you?

Good for

Using HSA or FSA money you already have, especially FSA money that would expire
Equipment tied to a health condition, such as a treadmill or rower your doctor would back
Partner stores, where the letter usually costs nothing extra

Watch out for

Your plan can refuse the claim even with a letter
The saving is tax you don't pay, so it depends on your tax bracket
Items that are only good for general health don't qualify under IRS rules

Stores that take Truemed

We saw Truemed on each store's own website. Many also let you pay over time, so you can see both on the store's page.

All stores 56 stores

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Aviron
Pay later
Fitness & sports
Makes interactive gaming rowers, treadmills and bikes for home workouts.
Klarna · Affirm · PayPal Pay LaterHSA/FSA
Checked Nov 13, 2026
Visit Aviron
Banyan Botanicals
Pay later
Health & recovery
Sells Ayurvedic herbs, supplements, oils and wellness products.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit Banyan Botanicals
BariatricPal
Pay later
Health & recovery
Sells protein bars, shakes, snacks and supplements for bariatric and GLP-1 diets.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit BariatricPal
Bells of Steel
Pay later
Fitness & sports
Home and garage gym brand selling racks, barbells, plates and strength machines.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Bells of Steel
Bowflex
Pay later
Fitness & sports
Sells home fitness equipment including SelectTech adjustable dumbbells, Max Trainers, treadmills, bikes and home gyms.
Bread PayHSA/FSA
Checked Nov 13, 2026
Visit Bowflex
Brooklyn Bedding
Pay later
Furniture & mattresses
Arizona-based maker of foam and hybrid mattresses, toppers and bedding sold direct.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Brooklyn Bedding
Concept2
Pay later
Fitness & sports
Makes RowErg indoor rowers, SkiErg and BikeErg machines and rowing gear.
PayPal Pay LaterHSA/FSA
Checked Nov 13, 2026
Visit Concept2
Coros
Pay later
Fitness & sports
Sells GPS sports watches and training tools for runners, cyclists and endurance athletes.
KlarnaHSA/FSA
Checked Nov 13, 2026
Visit Coros
Echelon
Both
Fitness & sports
Sells connected exercise bikes, treadmills, rowers, ellipticals and strength gear with studio-style workout classes.
Bread Pay · Shop Pay Installments · KatapultHSA/FSA
Checked Nov 13, 2026
Visit Echelon
Eight Sleep
Pay later
Furniture & mattresses
Sleep tech company selling the temperature-controlled Pod mattress cover and smart bases.
AffirmHSA/FSA
Checked Nov 13, 2026
Visit Eight Sleep
Ergatta
Pay later
Fitness & sports
Sells a game-based connected rowing machine and accessories for home workouts.
Klarna · AffirmHSA/FSA
Checked Nov 13, 2026
Visit Ergatta
FlexiSpot
Pay later
Furniture & mattresses
Sells height-adjustable standing desks, ergonomic chairs and home office furniture.
Klarna · AffirmHSA/FSA
Checked Nov 13, 2026
Visit FlexiSpot
Get RXd
Pay later
Fitness & sports
Racks, rigs and functional fitness equipment.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Get RXd
Gorilla Mind
Pay later
Health & recovery
Sells pre-workouts, energy drinks and sports supplements.
SezzleHSA/FSA
Checked Nov 13, 2026
Visit Gorilla Mind
GORUCK
Pay later
Fitness & sports
Rucking backpacks, weight plates, boots and training gear.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit GORUCK
Heavenly Heat Saunas
Pay later
Health & recovery
Sells low-EMF infrared, traditional and outdoor home saunas plus red light therapy panels.
Bread Pay · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Heavenly Heat Saunas
HigherDOSE
Pay later
Health & recovery
Sells infrared saunas, sauna blankets, red light devices and body care.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit HigherDOSE
Hooga
Pay later
Health & recovery
Red light therapy brand selling panels, masks and wellness devices.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Hooga
Horizon Fitness
Pay later
Fitness & sports
Sells treadmills, ellipticals and exercise bikes for home gyms.
Bread PayHSA/FSA
Checked Nov 13, 2026
Visit Horizon Fitness
Human Touch
Pay later
Health & recovery
Maker of massage chairs, foot massagers and zero-gravity recliners.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Human Touch
Hyperwear
Pay later
Fitness & sports
Weighted vests, sandbags and rucking gear.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Hyperwear
JumpSport
Pay later
Fitness & sports
Fitness trampolines and rebounders for low-impact cardio.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit JumpSport
Life Fitness
Pay later
Fitness & sports
Sells commercial-grade treadmills, ellipticals and strength equipment for home gyms.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Life Fitness
LightStim
Pay later
Beauty & personal care
At-home LED light therapy devices for skin and pain relief.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit LightStim
Manduka
Pay later
Fitness & sports
Makes yoga mats, props, apparel and accessories.
Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit Manduka
MaryRuth's
Pay later
Health & recovery
Sells vegan liquid vitamins, gummies and wellness supplements.
Shop Pay Installments · SezzleHSA/FSA
Checked Nov 13, 2026
Visit MaryRuth's
Matrix Fitness
Pay later
Fitness & sports
Fitness brand selling treadmills, bikes, ellipticals and climbmills for home gyms.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Matrix Fitness
Mito Red Light
Pay later
Health & recovery
Red light therapy brand selling full-body panels and handheld devices.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Mito Red Light
Molekule
Pay later
Health & recovery
Air purifiers with PECO and HEPA filtration plus replacement filters.
Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit Molekule
Momentous
Pay later
Health & recovery
Momentous sells performance supplements such as creatine, whey and plant protein, sleep and hydration formulas.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Momentous
Naked Nutrition
Pay later
Health & recovery
Sells protein powders and workout supplements with minimal ingredients.
Cash App AfterpayHSA/FSA
Checked Nov 13, 2026
Visit Naked Nutrition
Naturepedic
Pay later
Furniture & mattresses
Organic mattresses, crib mattresses, pillows and bedding.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Naturepedic
Orthofeet
Pay later
Health & recovery
Orthopedic shoes, insoles and socks for foot pain relief.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Orthofeet
Peloton
Pay later
Fitness & sports
Connected fitness brand selling the Peloton Bike, Tread, Row and accessories with streaming classes.
AffirmHSA/FSA
Checked Nov 13, 2026
Visit Peloton
PRx Performance
Pay later
Fitness & sports
Sells space-saving folding squat racks, functional trainers and home gym strength equipment.
Bread Pay · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit PRx Performance
Purple
Both
Furniture & mattresses
Mattress brand known for its gel grid comfort layer, plus pillows, bases and bedding.
Affirm · AcimaHSA/FSA
Checked Nov 13, 2026
Visit Purple
REathlete
Pay later
Health & recovery
Sells massagers, compression and recovery devices.
Klarna · Shop Pay Installments · Cash App AfterpayHSA/FSA
Checked Nov 14, 2026
Visit REathlete
Renpho
Pay later
Health & recovery
Sells smart body scales, massagers, eye massagers and LED light therapy masks.
Klarna · Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 14, 2026
Visit Renpho
REP Fitness
Pay later
Fitness & sports
Home gym equipment brand selling power racks, barbells, plates, benches and cardio machines.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit REP Fitness
Rogue Fitness
Pay later
Fitness & sports
Strength equipment maker selling barbells, racks, plates, bikes and CrossFit gear.
AffirmHSA/FSA
Checked Nov 13, 2026
Visit Rogue Fitness
SharkNinja
Pay later
Kitchen & coffee
Official store for Shark vacuums and hair tools and Ninja blenders, air fryers, grills and coffee makers.
AffirmHSA/FSA
Checked Nov 13, 2026
Visit SharkNinja
Solawave
Pay later
Beauty & personal care
Skincare device brand selling red-light therapy wands and facial tools.
Klarna · Affirm · Shop Pay Installments +2HSA/FSA
Checked Nov 13, 2026
Visit Solawave
Speediance
Pay later
Fitness & sports
Sells all-in-one smart home gyms and connected strength training machines.
Klarna · Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Speediance
Sun Home Saunas
Pay later
Health & recovery
Maker of infrared and traditional home saunas and cold plunges.
AffirmHSA/FSA
Checked Nov 13, 2026
Visit Sun Home Saunas
Sunny Health & Fitness
Pay later
Fitness & sports
Affordable home fitness brand selling exercise bikes, treadmills, rowers and weights.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Sunny Health & Fitness
Suunto
Pay later
Fitness & sports
Sells sports watches, dive computers and compasses.
Klarna · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Suunto
Tonal
Pay later
Fitness & sports
Smart home gym that uses digital weights and coaching, plus strength accessories.
AffirmHSA/FSA
Checked Nov 13, 2026
Visit Tonal
Torque Fitness
Pay later
Fitness & sports
Home and commercial strength brand selling racks, trainers and the TANK sled.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Torque Fitness
Tru Niagen
Pay later
Health & recovery
Sells NAD+ boosting Niagen nicotinamide riboside supplements.
Shop Pay Installments · SezzleHSA/FSA
Checked Nov 13, 2026
Visit Tru Niagen
TRX
Pay later
Fitness & sports
Suspension trainers and functional home-fitness equipment.
Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit TRX
Uplift Desk
Pay later
Furniture & mattresses
Maker of standing desks, ergonomic chairs and office accessories.
Affirm · PayPal Pay LaterHSA/FSA
Checked Nov 13, 2026
Visit Uplift Desk
Vktry
Pay later
Fitness & sports
Makes carbon fiber performance insoles and recovery footwear.
Shop Pay Installments · Cash App Afterpay · SezzleHSA/FSA
Checked Nov 13, 2026
Visit Vktry
Vulcan Strength
Pay later
Fitness & sports
Makes bumper plates, barbells, racks and home gym equipment.
PayPal Pay LaterHSA/FSA
Checked Nov 13, 2026
Visit Vulcan Strength
WalkingPad
Pay later
Fitness & sports
Foldable under-desk treadmills and standing desks.
Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit WalkingPad
Withings
Pay later
Health & recovery
Sells smart scales, hybrid smartwatches, blood pressure monitors and health devices.
Klarna · Affirm · Shop Pay InstallmentsHSA/FSA
Checked Nov 13, 2026
Visit Withings
York Barbell
Pay later
Fitness & sports
Makes dumbbells, weight plates, barbells, benches and squat racks.
PayPal Pay LaterHSA/FSA
Checked Nov 13, 2026
Visit York Barbell

Showing 24 of 56

Some stores use Flex or Sika instead of Truemed. They work the same way. See every store on our HSA and FSA stores page.

Questions people ask

Is Truemed legit?

Yes, Truemed (True Medicine, Inc.) is a real company that works with more than 3,000 health brands, including Peloton, SharkNinja, WHOOP and Garmin. What it gives you is a letter from a licensed clinician. Your HSA or FSA plan still decides whether to pay, so a letter is not a guarantee.

How much does Truemed cost?

At stores that partner with Truemed there is usually no extra charge, because Truemed says its fee is already included in the price you pay. The saving comes from paying with pre-tax money, so it depends on your tax bracket.

What if my HSA or FSA claim is refused?

Your plan administrator can refuse a claim even with a letter of medical necessity, and some plans exclude certain products. If that happens you pay for the item with other money. Check your plan's rules before a big purchase.

Does everything qualify?

No. The IRS says medical expenses must be mainly to treat or prevent an illness or condition, and do not include things that are merely good for general health. That is why Truemed asks health questions before a clinician decides.

Can I use my HSA card on Amazon without Truemed?

Yes, for items Amazon marks as FSA or HSA eligible, such as some first aid and health devices. You do not need a letter for those.

Sources

Checked Nov 13, 2026.

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