3 Best HSA/FSA Eligible Elliptical Machines: 2026 Guide

Key Takeaways

• Health Savings Account (HSA) and Flexible Spending Account (FSA) eligibility for fitness equipment requires a Letter of Medical Necessity (LMN) from a licensed healthcare provider that links the equipment to the treatment of a specific qualifying condition.
• SOLE's Truemed partnership streamlines approval through an eligibility questionnaire and telehealth provider connection at no additional cost, with same-day approval for straightforward cases.
• Tax savings range from 20 to 40% of the purchase price, depending on your marginal tax bracket, making a $2,099.99 elliptical cost approximately $1,259.99–$1,679.99 after tax benefits.
• Qualifying conditions include obesity, prediabetes, type 2 diabetes, hypertension, high cholesterol, cardiovascular disease, arthritis, and other conditions where low-impact exercise is medically indicated.
• All three SOLE ellipticals on this list, such as E95, E35, and E25, feature zero-impact motion, 20 power incline levels, 20 resistance levels, lifetime frame warranties, and FREE SOLE+ App access at no ongoing cost.

What Are The Best HSA & FSA Eligible Ellipticals in 2026?

The best HSA- and FSA-eligible elliptical machines combine zero-impact motion, progressive resistance, and quality construction to support long-term use for managing diagnosed health conditions. 

SOLE's E95 at $2,099.99, E35 at $1,699.99, and E25 at $1,299.99 all qualify for HSA and FSA purchases through SOLE's partnership with Truemed, which connects buyers with licensed providers who can issue Letters of Medical Necessity for qualifying conditions, including obesity, prediabetes, diabetes, hypertension, cardiovascular disease, and joint conditions requiring low-impact exercise. 

Tax savings of 20 to 40% effectively reduce purchase costs by hundreds of dollars, depending on your tax bracket. This article compares all three SOLE ellipticals.

1. SOLE E95: Best Premium HSA/FSA Eligible Elliptical

The E95 delivers the smoothest stride, most adjustable pedals, and largest touchscreen in SOLE's lineup, maximizing the value of your HSA/FSA investment.

The SOLE E95 represents the best elliptical your HSA/FSA dollars can buy. The 27-pound flywheel creates exceptionally smooth motion that protects joints while allowing intense cardiovascular effort. The 10-position adjustable pedals accommodate virtually any user's biomechanics, reducing joint stress that can make ellipticals uncomfortable for some people. The 13.3-inch touchscreen provides guided workouts and entertainment that encourage the consistent use necessary for health improvement.

For HSA/FSA purchasers, the E95's joint protection features directly support medical necessity. The zero-impact motion eliminates the repetitive stress that aggravates arthritis, protects healing joints post-surgery, and enables cardiovascular exercise for individuals whose weight makes impact exercise inadvisable. These features make the E95 medically appropriate for the conditions that qualify for HSA/FSA purchase.

The 20 power incline levels add intensity variation that improves cardiovascular outcomes without increasing impact. Higher incline engages glutes and hamstrings more intensely; lower incline emphasizes quadriceps. This muscle targeting variety addresses multiple fitness components within a single, joint-protective machine.

The 400-pound weight capacity serves users with obesity, one of the most common qualifying conditions for HSA/FSA fitness equipment. Many ellipticals max at 300 to 350 pounds, excluding those who might benefit most from low-impact exercise.

2. SOLE E35: Best Mid-Range HSA/FSA Eligible Elliptical

The E35 balances premium features with moderate pricing, delivering excellent value for HSA/FSA purchasers who want touchscreen guidance without maximum investment.

The SOLE E35 provides the touchscreen experience and quality construction that support effective exercise programs at $400 less than the E95. The 25-pound flywheel creates smooth motion that protects joints; the 10.1-inch touchscreen displays guided SOLE+ workouts that structure training for health improvement; the 3-position adjustable pedals accommodate different body types.

For HSA/FSA purchasers seeking a balance between features and cost, the E35 delivers the essential elements: zero-impact motion for joint protection, incline variation for workout progression, and guided programming for consistent use. These elements support medical necessity while preserving HSA/FSA funds for other health expenses.

The 350-pound weight capacity accommodates most users, including many in the obesity BMI range that commonly qualify for HSA/FSA fitness purchases. The 20 power incline levels match the E95, providing identical intensity variation for cardiovascular development.

The touchscreen enables SOLE+ App guided workouts that structure exercise programs appropriately for health conditions. Following professional programming rather than random effort produces better outcomes for the conditions that qualify you for HSA/FSA purchases.

3. SOLE E25: Best Value HSA/FSA Eligible Elliptical

The E25 delivers essential elliptical benefits at SOLE's most accessible price point, maximizing HSA/FSA purchasing power for budget-conscious health investors.

The SOLE E25 proves that HSA/FSA elliptical purchases don't require premium pricing. The 20-pound flywheel provides smooth, joint-protective motion. The 20 power incline levels create workout variety for progressive cardiovascular development. The 7.5-inch LCD console displays essential metrics, and the integrated tablet holder lets you use the SOLE+ App on your own device.

For HSA/FSA purchasers prioritizing value, the E25 delivers the core benefits that justify medical necessity: zero-impact exercise, resistance progression, and incline variation. These elements address cardiovascular, metabolic, and joint conditions eligible for HSA/FSA fitness purchases.

The 350-pound weight capacity matches the E35, accommodating users with obesity who qualify for HSA/FSA equipment. The 2-degree inward pedal slope reduces ankle and knee stress for users with joint conditions.

The E25's lower price point preserves maximum HSA/FSA funds for other health expenses while still providing quality equipment that supports long-term health improvement.

Side-by-Side Comparison

Why Choose SOLE Ellipticals for HSA & FSA Purchases?

The right HSA or FSA elliptical depends on your budget, the qualifying condition driving the purchase, and which features matter most for your health goals. The E95 suits buyers who want maximum features, including 10-position adjustable pedals and a 13.3-inch touchscreen, with an effective cost of around $1,595.99 after tax benefits at the 24% bracket. 

The E35 suits buyers who want touchscreen guidance and quality construction at mid-range pricing. The E25 suits budget-conscious buyers who want zero-impact exercise with progressive resistance at SOLE's lowest elliptical price.  All three include 20 power incline levels, 20 resistance levels, lifetime frame warranties, and FREE SOLE+ App access at no ongoing subscription cost.

Shop the SOLE elliptical collection today!

Frequently Asked Questions (FAQs)

Do I need a doctor's appointment for an HSA/FSA elliptical purchase?

Not necessarily. SOLE's Truemed partnership connects you with licensed providers who can issue Letters of Medical Necessity through a streamlined telehealth process. Your existing doctor can also provide an LMN if you prefer, though this typically requires an appointment.

What if my HSA/FSA administrator questions the purchase?

The Letter of Medical Necessity from Truemed's licensed providers satisfies IRS requirements for HSA/FSA fitness equipment purchases. Keep this documentation accessible. If questioned, provide the LMN showing that a licensed provider determined the equipment to be medically necessary for your specific condition.

Can I use HSA/FSA funds for accessories, too?

Potentially. Items directly supporting the medical use (like a heart rate monitor for cardiac patients) may qualify. General accessories (floor mats, entertainment subscriptions) typically don't. Consult your HSA/FSA administrator for specific guidance.

What happens if I don't qualify through Truemed?

You can still purchase using standard payment methods (credit card, financing). The eligibility questionnaire carries no obligation. Alternatively, request an LMN from your personal physician if they determine elliptical exercise is medically appropriate for your conditions.

Are the SOLE E95, E35, and E25 eligible for both HSA and FSA?

Yes. All three machines qualify for both HSA and FSA spending through Truemed when a healthcare provider determines exercise equipment is necessary to treat or prevent a diagnosed condition. The eligibility process is the same regardless of account type.

 

Disclaimer: Products and prices mentioned in this article are accurate as of the date of publication and are subject to change. Please visit the official SOLE website for the most current information.