How to Use Your HSA for Gym Memberships and Fitness

Can you pay for a gym membership with your HSA? In this episode, Lucas and Luna dig into the IRS rules on medical expenses versus general health, the 2026 guidance on fitness expenses tied to diagnosed conditions, and how listeners can structure a doctor's note to qualify. They walk through the specific requirements for a letter of medical necessity, why a simple 'I want to be healthy' won't cut it, and what happens if you get audited. Plus, they cover the difference between a general wellness program and a prescribed treatment plan, using real examples like weight management and physical therapy. If you've ever wondered whether your monthly spin class could be HSA-eligible, this episode gives you the concrete steps and pitfalls to know. No hype, just the tax code as it stands in late May 2026. #HSA #HealthSavingsAccount #GymMembership #FitnessExpenses #IRS #MedicalNecessity #TaxAdvantage #Wellness #PhysicalTherapy #DoctorNote #WeightManagement #AuditRisk #PersonalFinance #Finance #Fexingo #FexingoBusiness #BusinessPodcast #HealthFinance Keep every episode free: buymeacoffee.com/fexingo