Is Oura Ring 4 HSA or FSA Eligible?

The IRS classifies wellness wearables like the Oura Ring as dual-use items. Under IRS Publication 502, a device qualifies when primarily used to diagnose or treat a specific medical condition — such as sleep apnea monitoring or cardiac arrhythmia detection — documented by a healthcare provider in an LMN.

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.

1. Schedule an appointment with your doctor and discuss the medical condition you need to manage.
2. Request a Letter of Medical Necessity (LMN) citing Oura Ring 4 by name.
3. Purchase the product with your HSA/FSA debit card, or pay out of pocket.
4. Submit your receipt + LMN through your plan administrator's portal.
5. Save the documentation for at least 7 years for IRS records.