A Smarter Way to Spend Your HSA or FSA

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Most people assume their HSA or FSA can only be used for reactionary care like doctor visits, prescriptions, or copays. Truemed is shifting that mindset. The company helps you use those same pre-tax funds for preventive health through products that build muscle, speed up recovery, and lower the risk of needing that care in the first place.

How it works

You browse products on Truemed’s website. When you find what you want, it will redirect you to the partner’s website to actually make the purchase. When you check out on a partner site like Nike Strength or Major Fitness, choose Truemed HSA/FSA as your payment option. You’ll be prompted to complete a short health survey about your goals, habits, and background. The process takes only a few minutes, and you can finish your purchase right away. 

After checkout, a licensed clinician reviews your survey to confirm that the product qualifies as part of a preventive health plan. If approved, you’ll receive a Letter of Medical Necessity, or LMN, linked to that purchase. Truemed then provides the documentation your plan may request to verify the expense. Lastly, you wait for your plan to approve it as a valid HSA or FSA purchase. 

What you can buy

Truemed’s marketplace focuses on strength, recovery, and metabolic health, areas the IRS recognizes as medically justifiable when tied to functional outcomes. You can use your funds for:

Truemed partners with Nike Strength, Major Fitness, Core Home Fitness, Naked Nutrition, and other established brands that represent a growing shift toward proactive, muscle-centered health.

Understanding approval

A product can be HSA/FSA eligible, approved by a clinician, and still need to be accepted by your plan.

Truemed helps with the first two, but your plan makes the final call.

The Letter of Medical Necessity (LMN) is clinical documentation that supports your case. It shows that your purchase is medically justified, not recreational. However, an LMN does not guarantee approval. Each plan defines its own boundaries, so it is best to review your benefits or potentially contact your administrator before buying. Getting an LMN through Truemed does not require a major diagnosis; many people qualify with simple justifications like preventing pain, improving strength, or recovering from regular training.

There is a small amount of risk with these purchases because the final approval by your plan happens after your purchase. Your plan could still decide that the item does not qualify. In that case, you keep the product, but it loses its tax-free status, and you may need to repay your HSA or FSA using after-tax money. Truemed minimizes this risk by listing products that generally meet IRS guidelines and by working with clinicians who specialize in preventive health.

A shift toward proactive health

Traditional care reacts to injury and illness. Truemed supports the opposite: funding daily actions that prevent or slow down decline. Its philosophy is built on research showing that muscle strength, aerobic capacity, and metabolic flexibility are among the strongest predictors of healthy aging and longevity.

It may seem early to think about using your HSA or FSA funds, but Truemed’s approval process makes it worth doing ahead of time. If something does not qualify, you still have time to redirect those dollars elsewhere before the year ends. It is smart to buy intentionally rather than just to spend funds. Choose products you will actually use and can easily justify, whether that is a home gym upgrade or a recovery tool for an old injury.

By reframing how you use your health dollars, you make exercise and nutrition your first line of defense. That is the same principle that drives The Stack: stronger muscles and better recovery are not vanity goals, they are the foundation of long-term healthspan.

Why you should care

Truemed turns the healthcare system into a partner for preventive health, not just reactive treatment. It helps you redirect tax-free money toward products that strengthen your body, improve recovery, and extend the window of high-quality living.

This is not just a financial strategy; it is a mindset shift. Instead of waiting for problems, you are using the same system to support muscle health, movement, and resilience before they decline.

Each year, many people forfeit hundreds of dollars in unused FSA funds, and HSA balances often sit idle instead of being used for long-term health investments. Truemed changes that by turning idle savings into functional tools that build capacity and independence. You save money now, protect mobility later, and make every dollar contribute to your healthspan.

Acting early matters. By starting the process now, you avoid year-end stress, ensure your documentation is ready, and give your plan time to approve purchases. If your goal is to stay capable, strong, and self-sufficient for decades, not just years, Truemed gives you a smarter way to fund that mission.

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