How to use your HSA/FSA at Crunch to save on Gym Fees

October 5, 2026

Does exercise help your medical condition? You may be able to use your HSA or FSA funds toward eligible Crunch Fitness membership costs. Learn how to get a Letter of Medical Necessity (LMN) online and submit your Crunch expenses for reimbursement.

How to Use Your HSA/FSA at Crunch:

HSA and FSA funds can cover eligible medical expenses. If exercise helps manage your condition, certain fitness costs may qualify as a medical expense, meaning you can use your HSA/FSA funds for fitness fees.
To use your HSA/FSA at Crunch, you need a Letter of Medical Necessity (LMN). In this document, a clinician explains how exercise helps your condition. This makes exercise medically necessary under IRS rules.
You can get a Letter of Medical Necessity online through Lemonaid Health. Take an online LMN fitness consultation. A clinician will review your consultation, and if you qualify, they’ll write your LMN.

Lemonaid Health believes that exercising for less pain, better mobility, and greater ease shouldn’t break the bank.

That’s why we’re helping you use your HSA/FSA funds to pay for a membership with Crunch Fitness. Crunch memberships start at just $9.99 per month, making it easier to get moving without putting your wallet through a workout. Or upgrade your membership to get personal training sessions, fitness classes, at-home workouts, and more.

So, can you use an HSA or FSA for a Crunch Fitness membership? If exercise is medically necessary for your condition and you qualify for an LMN, you may be able to use those funds toward eligible Crunch fitness expenses.

Here’s how it works and how you can unlock your HSA/FSA funds for Crunch with a convenient online consultation.

How Do HSA and FSA Accounts Help You Save?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged savings accounts that can help you pay for eligible medical expenses with pre-tax dollars.

Here’s how they work:

You pay less in taxes: Deposited funds are not included in your taxable income. Deposit $1,000 into your HSA/FSA. That’s $1,000 less that’s taxed!
They boost your spending: Deposit $100 into your checking account. If you pay 20% in taxes, you only keep $80. Deposit that $100 into your HSA or FSA, and you keep the $100. That gives you 20 extra bucks to spend at Crunch.
You earn tax-free interest: With some HSA accounts, the balance can earn interest. This growth is also not subject to income tax. So any extra money stays in the account for future use.

Learn more about these accounts and their differences at Health Equity.

Can You Use Your HSA or FSA for a Crunch Fitness Membership?

You can only use tax-free HSA/FSA funds for medical expenses. HSA withdrawal rules specify which items automatically qualify. These include things like copays, medications, and first-aid supplies.

Things used for general wellness, like exercise, only count if they serve a medical purpose. If you exercise to manage a condition, the costs can become FSA- or HSA-eligible. But a clinician must explain the connection in a Letter of Medical Necessity (LMN).

With that letter, exercise becomes a medical expense. You can then use your HSA/FSA at Crunch. If you get audited, the LMN proves you’ve used your pre-tax funds properly.

How to Use Your HSA/FSA at Crunch Fitness

Ready to put those pre-tax dollars to work? With Lemonaid and Crunch, you can get a Letter of Medical Necessity online with a convenient consultation.

1. Take an Online Consultation

Visit Crunch’s page on Lemonaid. Then answer a brief health questionnaire. The $19 membership fee covers your LMN fitness consultation, clinician review, and letter.

2. Wait for Clinician Review

A clinician will review your health information. If appropriate, they’ll write your LMN. Once it’s ready, we’ll upload your letter to your patient portal and email you a link.

3. Pay for Your Crunch Fitness Membership

Use your debit or credit card to buy a Crunch Fitness membership. Save your receipts!

4. File for HSA/FSA Reimbursement

Log in to your HSA/FSA app or website. Find the claims or reimbursement section. Upload your LMN and Crunch receipts. Once approved, your HSA/FSA administrator will transfer the amount into your chosen account.

5. Crunch and Repeat

Your letter is valid for 12 months. Submit the letter with new Crunch receipts during this period. You can’t submit receipts dated before the letter was issued.

6. Get a New Letter of Medical Necessity After 1 Year

We’ll email you a week or two before your letter expires. Come back to Lemonaid to take a new consultation. Update your information for clinician review. When ready, you’ll get a link for your new LMN.

How Much Can You Save at Crunch With Your HSA/FSA?

You’ll probably get your entire Crunch membership cost reimbursed. How much you save depends on your income tax bracket.

For example, if you’re single and make $75,000 a year, your income probably falls into the 22% tax bracket. Deposit $1,000 into your HSA, and you save about $220. That amount easily covers your Crunch membership for the entire year!

Take an online consultation today to start saving at Crunch Fitness.

FAQs About Using HSA/FSA Funds at Crunch Fitness

Can I Use My HSA for a Crunch Fitness Membership?

Yes, if exercise is considered medically necessary for your condition and you have a qualifying Letter of Medical Necessity. With an LMN, your Crunch Fitness membership costs can become eligible for HSA reimbursement.

Can I Use My FSA for a Crunch Fitness Membership?

If exercise serves a medical purpose and you receive a qualifying Letter of Medical Necessity, you can use eligible FSA funds for your Crunch Fitness membership.

Is a Crunch Fitness Membership HSA-Eligible?

Gym memberships used for general wellness do not automatically qualify as HSA-eligible expenses. If exercise is medically necessary for a condition, however, a clinician can document that need with a Letter of Medical Necessity. That can make your Crunch Fitness membership eligible for reimbursement.

How Do I Get a Letter of Medical Necessity for Crunch Fitness?

Visit Crunch’s page on Lemonaid and complete the online health questionnaire. A clinician will review your information. If appropriate, they’ll provide an LMN through your patient portal.

Can I Pay Crunch Directly With My HSA or FSA Card?

The process outlined by Lemonaid and Crunch uses reimbursement. Pay for your Crunch Fitness membership with your debit or credit card and save your receipts. Then submit your LMN and Crunch receipts through your HSA/FSA administrator’s claims or reimbursement process.

How Long Is My Letter of Medical Necessity Valid?

Your LMN is valid for 12 months. During that period, you can submit the letter along with new Crunch receipts for reimbursement. Receipts dated before your LMN was issued cannot be submitted.

Do I Need a New Letter of Medical Necessity Every Year?

Yes. Lemonaid will email you a week or two before your letter expires. You can then complete a new consultation, update your information for clinician review, and receive a new LMN if appropriate.