HSA Trackr

Best HSA Wellness Reimbursement Platforms (2026)

Truemed, Flex Health, and Sika Health are payment processors that issue Letters of Medical Necessity during checkout, unlocking HSA reimbursement on gym memberships, supplements, fitness equipment, and meditation apps. All three are free to the buyer, paid by the merchant. This guide covers which platform partners with which merchants.

Truemed

HSA/FSA payment + LMN issuer with the largest wellness merchant network.

HSA-eligibleLMN required

Best for: shopping at supported gyms, supplement brands, recovery hardware. Largest merchant network.

Free to buyer (merchant pays processing fee)

Visit TruemedDetailed comparison

Flex Health

HSA/FSA payment platform focused on emerging wellness and longevity brands.

HSA-eligibleLMN required

Best for: longevity supplements, NAD+ products, biohacking gear. Curated merchant set.

Free to buyer

Visit Flex HealthDetailed comparison

Sika Health

HSA/FSA payment processor with strong supplement and meditation app coverage.

HSA-eligibleLMN required

Best for: meditation apps, supplements, and digital wellness subscriptions.

Free to buyer

Visit Sika HealthDetailed comparison

Common Questions

What do these platforms actually do?▼
They sit in the checkout flow at supported merchants, issue a Letter of Medical Necessity via a partner clinician, and process the HSA/FSA card payment so the purchase is reimbursable.
Are they free to use?▼
Yes for the buyer. The merchant pays a processing fee similar to a credit card. You pay your normal cart price using your HSA debit card.
Which platform should I pick?▼
Whichever the merchant supports. You don't usually get to choose. Truemed has the largest network, Flex leans longevity, Sika is common on meditation apps and supplements.
Is the LMN they issue actually IRS-compliant?▼
Yes when issued by a licensed clinician for a qualifying medical purpose. Keep the LMN PDF with your records in case of audit.
Can I get an LMN from one platform to use elsewhere?▼
No. The LMN is tied to the specific product or category purchased through that checkout. You need a separate LMN for unrelated purchases.
How do I track these purchases in HSA Trackr?▼
Log each purchase with the merchant name, attach the LMN PDF issued at checkout, and mark the receipt URL. The LMN is the critical document for audit.

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Track your HSA-eligible subscriptions in HSA Trackr

Snap a photo of every receipt and LMN, let AI categorize it, and keep audit-ready records.

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