HSA and FSA at checkout

Save 30% on SOLE equipment with your HSA or FSA

Your card is a payment option at checkout, next to credit card and the wallets. That money was set aside before income tax, so you keep the tax you would have paid on it.

See what is eligible How it works
A man running on a SOLE F85 CushionFlex 3.0 treadmill in a bright living room.

What happens at checkout

Three steps, all of them inside the checkout you already use.

  1. Pick HSA/FSA in the payment list

    It sits with credit card and the wallets, not off in a separate flow.

  2. Answer a few health questions

    A licensed provider reviews your answers, not our products.

  3. Pay, on one card or two

    Use your HSA or FSA card, or split the order across two cards. Your letter of medical necessity arrives by email after you check out.

How does paying with HSA or FSA save me 30%?

These accounts exist for one thing: paying with pre-tax money for what treats, eases or prevents a condition a provider has diagnosed. That is the IRS test, and it is about the expense, not the shop.

One hundred dollars of pay, followed two ways. Spending from your bank account: one hundred dollars you earn, then thirty dollars taken out in taxes, leaving seventy dollars to spend. Spending from your HSA or FSA: one hundred dollars you earn, no taxes taken out, leaving one hundred dollars to spend.

The same three machines, priced live

Move the slider to your own combined rate. Prices come straight from the SOLE catalog every time this page loads, so nothing here can go stale.

Combined means income plus payroll taxes. It differs by person, income and state.

SOLE F80 Treadmill
SOLE F80 Treadmill Price today$1,599.99Currently out of stock Tax you never pay$479.99 What it costs you after that$1,120.00
SOLE F85 Treadmill
SOLE F85 Treadmill Price today$2,199.99Currently out of stock Tax you never pay$659.99 What it costs you after that$1,540.00
SOLE E35 Elliptical
SOLE E35 Elliptical Price today$1,699.99Currently out of stock Tax you never pay$509.99 What it costs you after that$1,190.00

Prices shown are the store's current prices.

Illustrative math, not tax advice and not a discount. Your savings depend on your own tax rates and your plan. Yearly contribution caps are in IRS Publication 969.

SOLE machines, bought with pre-tax dollars

Some of what we sell may qualify as a medical expense under IRS rules. Some items need a letter of medical necessity, which is a written opinion from a licensed provider that a product may treat a specific condition you have.

Browse every machine

Questions before you buy? Contact us.

Before you worry about it

No new account

No new account to open and no balance to top up. Bring the card your employer gave you.

Your order is not held up

The questions do not hold up your order, so you pay and check out as normal.

A provider reviews you, not us

A licensed provider reviews your answers, not our products.

Normal cards still work

Yes. Credit card is still a payment option at checkout, alongside the wallets, and nothing about this page changes that.

Common questions

What are FSA and HSA accounts?

Both let you set aside money from your paycheck before taxes for eligible health expenses. An HSA is a health savings account and generally stays with you year after year. An FSA is a flexible spending account and usually has a yearly deadline. Not sure if you have one? Check with your employer or your benefits provider.

Can I use my HSA/FSA at SOLE?

Yes. Pick HSA/FSA in the payment list at checkout, answer a few quick health questions, and pay with your HSA or FSA card the same way you would use any other card. If your order needs a letter of medical necessity, it comes to you by email after you check out.

Can I use my regular credit card instead?

Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.

What is a letter of medical necessity?

It is a licensed provider's written opinion that a product may treat a specific health condition you have. Under IRS rules, exercise equipment counts as a medical expense when it treats a condition, not when it is for general fitness.

Here is how it works. You answer a few health questions at checkout. A licensed provider reviews your answers, not our products. The questions do not hold up your order, so you pay and check out as normal. Your letter arrives by email after you check out. Keep it, because your plan may ask to see it. Not everyone qualifies, and your plan makes the final decision on any claim.

Are there any fees?

You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.

When should I use my FSA/HSA dollars?

Any time of year. HSA money generally stays with you year after year. FSA money usually has a deadline, and many plans run use it or lose it at the end of the year, so check your plan's dates before December.

How long until I get my letter of medical necessity?

It arrives by email after you check out. If you do not see it, check your spam folder first, then reach out through our contact page and we will help.

I don't have an HSA/FSA. Can I still benefit?

You need one of those accounts to use pre-tax money. Many employers offer them during open enrollment, so it is worth asking. You can still check out normally with any card, and SOLE financing is available at checkout.

I don't live in the US. Can I still use this?

HSA and FSA are United States programs, so the pre-tax option only applies to US accounts. Everything on the site can still be bought the normal way.

Some of what we sell may qualify as a medical expense under IRS rules. Some items need a letter of medical necessity, which is a written opinion from a licensed provider that a product may treat a specific condition you have. That review is done by a licensed provider through an independent partner, not by SOLE. Not everyone qualifies. No product on this site has been reviewed or approved for you in advance.

A letter is not a guarantee that your plan will pay. Your plan administrator, the company that runs your HSA or FSA, makes that decision, and plans differ.

SOLE is not a tax advisor, a medical provider, or a benefits administrator, and nothing on this page is tax, legal, or medical advice. For questions about your account or a claim, contact your plan administrator. For tax questions, talk to a tax professional.

There is a yearly cap on how much you can put into one of these accounts. The IRS publishes the current numbers in Publication 969.

See what is eligible