Conditionally Eligible

Is Weight Loss Programs HSA-Eligible? (2026)

Weight loss programs are HSA-eligible only when prescribed by a doctor for a specific disease like obesity.

Typical Cost

$20–$100/month (programs); $200–$500 (medical programs)

Details

Here's the deal: general weight loss programs (WW, Noom, Jenny Craig) are NOT eligible if you're just trying to slim down. But if a doctor diagnoses you with obesity, hypertension, diabetes, or another specific condition and prescribes a weight loss program as treatment, then the program fees become eligible. You'll need a letter of medical necessity. The food itself is never eligible — only the program fees.

Requirements

Requires a doctor's diagnosis of a specific disease (obesity, diabetes, etc.) and a letter of medical necessity. Food costs are never eligible.

Frequently Asked Questions

Is Weight Watchers HSA-eligible?

Only if a doctor prescribes it to treat a specific medical condition like obesity. A general desire to lose weight doesn't count.

Is Noom HSA-eligible?

Same rule — only with a doctor's prescription for a diagnosed condition. General wellness use isn't eligible.

Are weight loss foods or meal plans HSA-eligible?

No. The IRS specifically excludes food, even diet food. Only the program or consultation fees can qualify.

Related HSA Expenses

Doctor Visits

$20–$300 per visit (varies by type and insurance)

Ozempic

$25–$500/month (with insurance); $800–$1,300/month (without)

Gym Membership

$20–$100+ per month

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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