Is Equinox HSA Eligible? The Complete FSA/HSA Equinox Guide
Yes, Equinox membership can be FSA/HSA reimbursable with a Letter of Medical Necessity. Here's the complete walkthrough on what qualifies, what your LMN needs to say, and how reimbursement works.
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Hi, I'm Grayson. Equinox is the highest-volume gym membership we see on Burst LMNs because the price point makes pre-tax savings genuinely meaningful.
Short answer. Yes. Equinox memberships can be FSA or HSA reimbursable with a Letter of Medical Necessity. The IRS treats gym memberships as dual-purpose under Publication 502 and Notices 2006-69 and 2007-2: general fitness by default, medical equipment when a clinician documents the medical context. Equinox specifically reimburses well because the facility supports a wide range of programmed treatment modalities (Pilates, yoga, swimming, group cardio, personal training) that fit cleanly into documented treatment plans. Below is what qualifies, what your LMN needs to say, and how reimbursement actually flows.
If that already describes you, the request takes about three minutes and you can skip the rest of this guide.
What's eligible with an LMN
Equinox monthly membership dues
Equinox initiation fees when on the same receipt as the first month
Personal training sessions when documented as part of a treatment plan (post-surgical reconditioning, cardiac rehab)
Pilates and yoga classes at Equinox when paired with a documented context
What's not eligible
Equinox apparel and merchandise.
Spa services and lifestyle add-ons beyond the medical context.
Membership for someone without their own LMN.
Common reasons people get an Equinox LMN
Cardiac rehabilitation
Type 2 diabetes management
Hypertension management
Weight management with comorbidity
Chronic low back pain (Pilates and reformer-based PT)
Post-surgical reconditioning
Depression and anxiety where exercise is part of the treatment plan
Osteopenia and osteoporosis (resistance training)
A few common Equinox FSA/HSA pitfalls
Submitting credit card statements instead of Equinox receipts. Plan admins want the Equinox-issued receipt, not your credit card billing history.
Forgetting personal training. When part of a documented treatment plan, training sessions reimburse alongside the membership.
Letting the LMN expire mid-membership. Annual refresh keeps recurring dues covered.
Equinox FSA/HSA FAQ
Is Equinox HSA eligible without an LMN?
Gym memberships are not eligible by default. The LMN creates eligibility.
Are personal training sessions covered?
When part of a documented treatment plan, yes.
Can I cover Pilates classes at Equinox separately?
Pilates classes at Equinox reimburse on the same membership-context LMN.
Can I get an LMN for past Equinox dues?
Per IRS guidelines, LMNs must be for charges made on or after the LMN request date. Going forward, recurring dues reimburse.
Is the LMN fee itself FSA/HSA eligible?
Yes.
Stop paying full price for Equinox
If you've got a documented context, the LMN turns recurring dues into pre-tax. Get yours from Burst in under 5 minutes.
If you're not sure whether your situation fits, hit reply on any Burst email or write to support@getburst.com. We read every email ourselves.
Thanks,
Grayson
Chief of Staff at Burst
For the underlying rules, see IRS Publication 502, IRS Notice 2006-69, and IRS Notice 2007-2.
Last updated: May 2026
This guide is not medical advice. Your eligibility depends on your specific situation and your plan administrator's interpretation of IRS rules. Burst's clinicians make eligibility decisions on a case-by-case basis.
