Is WHOOP 4.0 Health and Fitness Tracker HSA or FSA Eligible?
Yes — WHOOP 4.0 Health and Fitness Tracker 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
WHOOP
WHOOP 4.0 Health and Fitness Tracker
Continuous HRV, sleep, strain, and recovery tracker used in clinician-directed stress management programs.
$239
Affiliate link — supports this site at no cost to you
Why this eligibility status?
Continuous health tracking devices for clinician-directed stress and recovery management may qualify with a Letter of Medical Necessity.
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 WHOOP 4.0 Health and Fitness Tracker 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.
Related products
Verilux
Verilux HappyLight Therapy Lamp✓ Use your HSA/FSA card at checkout
Muse
Muse 2 Brain Sensing Headband✓ Use your HSA/FSA card at checkout
Verilux
Verilux HappyLight Luxe 10,000 Lux Light Therapy Lamp✓ Use your HSA/FSA card at checkout
Verilux
Verilux HappyLight Compact Personal Therapy Lamp✓ Use your HSA/FSA card at checkout
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