Candor

Is Peloton & home exercise equipment HSA-eligible?

Only with a Letter of Medical Necessity

Exercise equipment is general-wellness spending unless an LMN ties it to treating a diagnosed condition.

IRS authority

IRS Pub. 502 (general-health exclusion); LMN pathway

How to get covered

  1. Qualifying conditionscoronary artery disease, obesity, hypertension, or a mobility-limiting condition that makes getting to a gym impractical
  2. What the letter must saythat home exercise equipment is medically necessary to treat the named diagnosis, and why exercising at home rather than at a facility is required
  3. How to askAsk your provider to address the home-versus-gym question directly — on equipment this expensive, that clause is the part reviewers push on.

How LMNs work — timing, renewal, and storing it with the receipt →

Category: Recovery · Bucket B (Eligible with a Letter of Medical Necessity)

Got an LMN?

Log the receipt now so you have proof when you claim it back.

Log this expense →

Informational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-08-15, last verified July 2026.

All eligibility answers · Candor — the HSA shoebox