Is Garmin HSA Eligible? The Complete FSA/HSA Garmin Guide
Yes, Garmin watches (Forerunner, Fenix, Venu, Vivoactive) and Garmin Connect+ can be FSA/HSA reimbursable with a Letter of Medical Necessity. Here's the complete walkthrough.
6 minute read
Hi, I'm Grayson. Garmin shows up frequently in cardiac rehab and endurance-context LMNs because the cardiac data is detailed and clinician-friendly.
Short answer. Yes. Garmin watches (Forerunner, Fenix, Epix, Venu, Vivoactive, Instinct, Lily) and the Garmin Connect+ subscription can be FSA or HSA reimbursable with a Letter of Medical Necessity. The IRS treats Garmin as dual-purpose under Publication 502 and Notices 2006-69 and 2007-2: consumer smartwatch by default, medical monitoring equipment when documented. Garmin's detailed cardiac and respiration metrics make the LMN easier to anchor for cardiac rehabilitation, hypertension management, and post-cardiac event recovery. Below is what qualifies and how reimbursement 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
Garmin Forerunner. Running-focused with detailed cardiac metrics.
Garmin Fenix and Epix. Premium multi-sport with HRV, body battery, and pulse ox.
Garmin Venu and Vivoactive. Daily wellness and lifestyle smartwatches.
Garmin Instinct. Rugged outdoor with cardiac monitoring.
Garmin Connect+ subscription. Reimburses recurring with current LMN.
Heart rate chest straps (HRM-Pro, HRM-Dual) purchased to use with the watch.
Replacement bands for medical-grade comfort during continuous wear.
What's not eligible
Garmin GPS units for navigation alone (without the medical-context wearable framing).
Branded apparel.
Premium aesthetic bands.
Common reasons people get a Garmin LMN
Cardiac rehabilitation
Hypertension management
Post-cardiac event recovery
Type 2 diabetes management with HRV monitoring
Endurance training in cardiac rehab contexts
Sleep disorder management (sleep coaching feature)
Documented anxiety with HRV-based stress management plan
A few common Garmin FSA/HSA pitfalls
Forgetting Connect+. The Garmin Connect+ subscription reimburses on the same LMN as the hardware.
Submitting non-itemized Amazon receipts. Plan admins want the specific Garmin model documented.
Letting the LMN expire. Annual refresh keeps the recurring subscription covered.
Garmin FSA/HSA FAQ
Is Garmin HSA eligible without an LMN?
Garmin is a consumer smartwatch by IRS default. The LMN creates eligibility.
Is Garmin Connect+ FSA eligible?
On the same LMN as the hardware, yes.
Can I cover both Garmin and Apple Watch on the same LMN?
When the contexts are distinct, yes.
Can I get an LMN for a Garmin I already bought?
Per IRS guidelines, LMNs must be for purchases made on or after the LMN request date.
Is the LMN fee itself FSA/HSA eligible?
Yes.
Stop paying full price for your Garmin
If you've got a cardiac, hypertension, or HRV-monitoring context, the LMN turns the Garmin 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.
