Whoop's support page, updated June 2026, lists the membership and the battery packs as HSA and FSA eligible. The path is a Truemed checkout at join.whoop.com. Not the regular shop. Not Amazon.
That is the short answer. The longer answer is what "eligible" means when a fitness wearable says it.
Truemed's own blog says fitness trackers are "not eligible by default." Whoop and Oura are the exceptions it names. The IRS rule underneath has not changed at all.
This post covers what Whoop says qualifies and how the checkout works. Then what the IRS still requires, and what to keep.
What Whoop Says Is Eligible
From Whoop's support article, as of September 2026:
| Product | Whoop's status |
|---|---|
| 1-month or 12-month WHOOP Membership (One, Peak, Life) | Eligible |
| WHOOP 4.0 Battery Pack | Eligible |
| WHOOP 5.0 Wireless PowerPack and Basic Charger | Eligible, "confirm with FSA/HSA provider" |
| WHOOP Advanced Labs tests | Eligible |
Two things to notice. Whoop's own table tells you to confirm the 5.0 chargers with your provider. And the eligibility runs through Truemed, not Whoop. Whoop's page says "Truemed verifies your eligibility and processes the transaction."
How the Checkout Works
Whoop's page gives two paths.
Path 1: Truemed at checkout. Buy at join.whoop.com or through Membership Extensions in the Whoop app. Choose Truemed as the payment method. Whoop's page says you are "redirected to Truemed's website to complete your purchase."
Enter the HSA card there. If the cart has ineligible items, Whoop says to choose the Split Payment option. Its page says to enter the HSA/FSA details first, then add a second payment method for the ineligible items.
Whoop's page says this option is "not available on shop.whoop.com or other WHOOP channels." Truemed checkout exists only at join.whoop.com and in the app. Buying anywhere else means Path 2.
Path 2: Reimburse yourself. Pay with a regular card. For an FSA, submit the receipt to the plan. Whoop's page says providers "may require a Universal Product Code" and lists the UPCs for eligible products.
For an HSA you do not need to submit anything. You keep the receipt and reimburse yourself.
After a Truemed checkout, Whoop says you get two emails. An order confirmation from Whoop. A receipt from Truemed "including an itemized breakdown." Keep both.
What Truemed Is Checking
Truemed is a payments company that connects wellness purchases to HSA rules. Its shop page for Whoop says "HSA / FSA eligible for qualified customers." Whoop's page says Truemed "verifies your eligibility and processes the transaction."
Truemed's Letter of Medical Necessity is issued by an independent licensed clinician. The letter ties the product to a specific health condition. Truemed says a letter is typically valid for 12 months.
For Whoop and Oura, Truemed's blog describes the devices as "pre-approved." Its reasoning is that their core function is physiological monitoring, not step counting. It does not mean the IRS has ruled on Whoop.
What the IRS Still Requires
The tax code defines medical care as amounts paid for "the diagnosis, cure, mitigation, treatment, or prevention of disease." Publication 502 adds that expenses "merely beneficial to general health" do not count.
A Whoop bought to train harder is general health. A Whoop bought on a clinician's recommendation to track a diagnosed condition is closer to medical care. Truemed's process exists to document the second case. It cannot turn the first case into the second.
If you have a diagnosed condition the device helps manage, get the Letter of Medical Necessity. Do it even if the checkout does not require one. It is the document an auditor would ask for.
If you do not have one, the honest answer is that the purchase is a general-health expense. The card going through does not change that.
What to Keep
- ●The Truemed receipt with the itemized breakdown.
- ●The Whoop order confirmation.
- ●The Letter of Medical Necessity, if one was issued.
- ●For a 12-month membership, note the service period. Renewals are new purchases with new receipts.
Tripl is an HSA receipt tracker. Forward the Truemed receipt email or upload the PDF. Tripl reads the merchant, the date, and the total.
It files the expense under a health category with the image attached. Attach the letter to the same expense.
The record is stored in the cloud. Connect Google Drive or Dropbox and it mirrors to your own account too. Two copies, two places. A 12-month letter and a 12-month membership are easy to lose track of by year three.
Tripl is $30 per year for the first 100 sign-ups. After that, $50 a year.
Related
- ●Is the Oura Ring HSA or FSA Eligible?
- ●Letter of Medical Necessity for HSA Purchases
- ●The Complete HSA-Eligible Expenses List
- ●How to Tell If a Receipt Is HSA-Eligible
*This is educational content, not financial or tax advice. Consult a qualified professional before making decisions about your HSA.*