Is Whoop 4.0 Fitness & Health Tracker HSA or FSA Eligible?

The Whoop 4.0 is a wearable health monitor. With a Letter of Medical Necessity from a physician citing a specific medical condition — such as a heart arrhythmia, chronic fatigue, or sleep disorder — it qualifies under IRS Publication 502.

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 Whoop 4.0 Fitness & Health Tracker 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.