Guides · HSA and FSA

Is WHOOP HSA or FSA eligible?

WHOOP says all of its memberships with 12-month subscriptions can be paid with HSA or FSA funds, along with its battery pack. You can pay with an HSA or FSA card through a certified retailer such as Amazon, or buy on whoop.com and submit the receipt for reimbursement.

The IRS rule is stricter than a store label. Its September 2026 guidance says a wearable is not a medical expense just because it tracks health data; it can qualify when bought and used primarily for a specific medical condition. Check with your plan administrator or a tax advisor before you count on it.

Updated · Facts checked against the sources listed below

What WHOOP says about HSA and FSA

WHOOP's FSA/HSA page (dated January 30, 2026) and its membership page say:

  • Eligible: all WHOOP memberships with 12-month subscriptions, and the WHOOP battery pack.
  • Certified retailers: you can use an HSA or FSA card to buy the device and a 12-month membership on Amazon.
  • Buying on whoop.com or elsewhere: pay with a regular card and submit a reimbursement claim to your HSA or FSA provider.
  • If your provider asks for a UPC code: WHOOP says you can find it on your order status receipt or in payment history in the WHOOP app.

WHOOP's page also says it qualifies as a general wellness expense under most plans. That is WHOOP's view, not an IRS ruling, and the IRS guidance below points the other way for general wellness use.

The IRS rule for wearables

HSA and FSA money is for medical care. IRS Publication 502 says expenses that are merely beneficial to general health don't count.

On September 23, 2026, the IRS added a question on wearables to its FAQ on nutrition, wellness and general health. It says:

  • Whether a wearable is a medical expense depends on all the facts and circumstances.
  • A general wish to monitor or improve your health is not enough. A device used for general wellness, fitness or sleep doesn't become a medical expense just because it tracks health readings.
  • A device can qualify when bought and used primarily for a specific disease. A clinician's recommendation and your symptoms or diagnosis are relevant.
  • Accessories and software subscriptions qualify only if they are bought primarily for that same medical purpose. That would include a membership like WHOOP's.

A merchant or card network accepting your HSA or FSA card does not mean the IRS counts your purchase as a medical expense. If an expense turns out not to qualify, you may owe tax on it. Keep receipts and any clinician letter.

How to pay for WHOOP with HSA or FSA funds

  1. Ask your plan administrator first whether they accept a fitness or sleep tracker membership and what paperwork they need.
  2. Get a letter of medical necessity if you have a medical reason. A clinician writes it, naming the specific condition the device helps manage. General fitness or wellness won't meet the IRS test.
  3. Choose a 12-month membership, since that is what WHOOP lists as eligible.
  4. Pay with your HSA or FSA card through a certified retailer, or pay on whoop.com and submit the itemized receipt.
  5. Keep the paperwork with your tax records.

What you'd be paying for

As of October 2026, WHOOP memberships cost $199 (One), $239 (Peak) or $359 (Life) a year in the US, with the device included. See WHOOP cost. For the same question about a ring, see is the Oura Ring HSA eligible.

Using your HSA or FSA with Gabriel

Gabriel can read your WHOOP data next to your lab results. Ask Gabriel anything free by app, web, text or voice.

With Gabriel Core or Plus, the clinical portion of membership may be HSA/FSA eligible ($39 of Core's $49 monthly price, or $69 of Plus's $89); the wellness and concierge portion is not. Gabriel can provide an itemized statement. Check with your plan administrator or a tax advisor. Membership could also affect whether you can keep contributing to an HSA (IRS Notice 2026-5); ask a tax advisor.

Common questions

Can I use my HSA for WHOOP?

WHOOP says its 12-month memberships are HSA and FSA eligible. Under IRS rules a wearable qualifies only when used primarily for a specific medical condition, so check with your plan administrator or a tax advisor.

Is the WHOOP monthly plan FSA eligible?

WHOOP's current HSA/FSA page lists memberships with 12-month subscriptions as eligible. It doesn't list monthly billing, so ask your plan before using FSA funds for it.

Do I need a letter of medical necessity for WHOOP?

Some plans ask for one. If you have a medical reason for the device, a clinician can write a letter naming the condition it helps manage.

How do I get a WHOOP receipt for FSA reimbursement?

WHOOP says you can find order details, including the UPC some providers ask for, on your order status receipt or in payment history in the WHOOP app.

Are other fitness trackers HSA eligible?

The same IRS test applies to every tracker: use primarily for a specific medical condition, not general wellness. Check each maker's HSA/FSA page and confirm with your plan.

Sources

  1. FSA/HSA Eligibility for WHOOP Membership and Wearables WHOOP
  2. WHOOP Membership Options WHOOP
  3. Frequently asked questions about medical expenses related to nutrition, wellness and general health Internal Revenue Service
  4. Publication 502, Medical and Dental Expenses Internal Revenue Service

This guide is general information, not medical advice. It does not replace a visit with a licensed clinician. Gabriel membership is not health insurance.