Is Apple Watch Series 10 HSA or FSA Eligible?
Yes — Apple Watch Series 10 is HSA and FSA eligible when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider.
Eligibility status
HSA
With LMN
FSA
With LMN
LMN required
Yes
Last verified May 2026
Apple
Apple Watch Series 10
Thinnest Apple Watch yet with ECG, blood oxygen, crash detection, and sleep tracking.
$399
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Why this eligibility status?
The Apple Watch Series 10 includes FDA-cleared ECG and blood oxygen monitoring. With a Letter of Medical Necessity citing a condition like atrial fibrillation, sleep apnea, or hypertension, it qualifies under IRS Publication 502 as a medical device.
The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.
How to use HSA/FSA for this product
- Schedule an appointment with your doctor and discuss the medical condition you need to manage.
- Request a Letter of Medical Necessity (LMN) citing Apple Watch Series 10 by name.
- Purchase the product with your HSA/FSA debit card, or pay out of pocket.
- Submit your receipt + LMN through your plan administrator's portal.
- Save the documentation for at least 7 years for IRS records.
Letter of Medical Necessity required
Use our free template. Your doctor can sign it in 5 minutes.
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Frequently asked
Sources & last update
- IRS Publication 502 — Medical and Dental Expenses
- FSA Store Eligibility List
- CARES Act of 2020 — OTC Drug Expansion
Last updated: May 2026