Weight Loss Programs
Weight loss programs are eligible for HSA, FSA, and HRA funds if undertaken as medical care for a specific disease diagnosed by a physician.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The weight loss program must be for the treatment of a specific disease diagnosed by a physician, such as obesity, heart disease, or high blood pressure. It cannot be for general health improvement or cosmetic reasons.
Quick Reference
The IRS considers expenses for weight loss programs to be medical care if they are for the treatment of a specific disease diagnosed by a physician. This aligns with the definition of medical expenses as costs paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. General health or cosmetic weight loss is not eligible.
When It Qualifies
- •The program must be prescribed by a physician to treat a specific medical condition (e.g., obesity, heart disease, hypertension, diabetes).
- •The expenses must be primarily for the alleviation or prevention of a physical or mental defect or illness.
When It Doesn't
- •Weight loss programs for general health improvement, wellness, or cosmetic reasons are not eligible.
- •Membership dues for health clubs, gyms, or spas are generally not eligible, even if recommended by a doctor.
- •Diet food or beverages are generally not eligible, unless they are specifically prescribed by a physician to treat a medical condition and are not part of a normal diet.
Similar Items
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While this information is based on IRS guidelines, individual plan administrators may have specific requirements or limitations. Always confirm with your plan administrator. Keep all receipts and documentation, including a Letter of Medical Necessity or physician's diagnosis, for substantiation.