How much do I save buying an Apple Watch with my HSA?

Your savings depend on your tax bracket. At 22%, an Apple Watch Series 9 ($399) costs you only $311 through your HSA — saving you $88. An Apple Watch Ultra 2 ($799) costs $623 through HSA, saving $176. At 32%, savings jump to $128 and $256 respectively. Use the calculator above for your exact bracket.

Can I buy a Fitbit or Oura Ring with my HSA?

Fitbit and Oura Ring purchases may be HSA-eligible with a Letter of Medical Necessity (LMN) from your doctor. The IRS requires wearables to have a primary medical purpose — such as monitoring a diagnosed condition like heart arrhythmia, diabetes, or sleep apnea. Without an LMN, general fitness trackers are not automatically HSA-eligible. See our full wearable eligibility guide for details.

Savings Calculator

How Much Do You Save Buying Wearables With Your HSA?

Select your device and tax bracket. See instantly how much you save paying with pre-tax HSA dollars instead of after-tax income.

Step 1 — Choose Your Device

Step 2 — Your Tax Bracket

Select a device and tax bracket above to see your savings.

Does Your Wearable Actually Qualify?

HSA eligibility for wearables depends on your diagnosis, device, and documentation. See which devices qualify — and exactly how to get reimbursed.

Check If Your Wearable Qualifies →

Frequently Asked Questions

How does this calculator work? ▼

When you pay for a medical device with your HSA, you're using pre-tax dollars. Instead of earning income, paying taxes on it, then spending what's left — you spend the full dollar on your device. The savings equal the device price multiplied by your marginal tax rate. At 24%, buying a $399 Apple Watch saves you $95.76. The "HSA cost" shown is the pre-tax equivalent: the effective cost to you after accounting for tax savings.

Do all wearables automatically qualify for HSA reimbursement? ▼

No. The IRS requires a wearable to have a primary medical purpose to be HSA-eligible. Devices prescribed or recommended by a doctor for a diagnosed condition — like atrial fibrillation monitoring, diabetes management, or sleep apnea — can qualify with a Letter of Medical Necessity (LMN). General wellness devices without a medical purpose typically do not qualify. Devices like the Dexcom G7 are medical devices and generally HSA-eligible without an LMN. See our full eligibility guide →

What tax bracket should I use? ▼

Use your marginal federal tax bracket — the rate applied to your last dollar of income. For most employees, this is 22% or 24%. You can find this on your most recent tax return (Form 1040, Tax Rate Schedules) or by searching "2026 federal tax brackets" for your filing status. The calculator uses only your federal rate; adding your state income tax rate will give you a higher (more accurate) savings estimate.

Can I use my HSA for wearable accessories and replacement sensors? ▼

If the device qualifies for HSA reimbursement, related accessories and supplies that are necessary for its medical use typically qualify too. For example: Dexcom G7 sensors, Apple Watch bands prescribed for continuous monitoring use, or replacement batteries for CGMs may be covered. Generic fashion bands generally do not qualify.

How is the Whoop subscription handled? ▼

The Whoop 4.0 device itself ($239) may qualify for HSA reimbursement with appropriate medical documentation. The monthly membership ($30/mo) is a recurring subscription service — subscription fees are generally not HSA-eligible unless they're directly tied to a required medical service. Use the calculator above for the device cost; your annual subscription savings will display separately if you select Whoop.

How Much Do You Save Buying Wearables With Your HSA?

Does Your Wearable Actually Qualify?

Frequently Asked Questions

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