HSA & FSA Benefits You're Probably Not Using: Health Coaching Counts

Most people use their HSA or FSA for copays, prescriptions, and dental work. Far fewer know that health coaching - depending on the scope of the engagement and the provider - can also qualify as an eligible expense.

What Are HSA and FSA Accounts?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars for qualified medical and health expenses. Because contributions reduce your taxable income, using these accounts effectively is one of the most efficient ways to invest in your health.

When Health Coaching May Be Eligible

Health coaching is most likely to be HSA/FSA-eligible when it is provided by a licensed or certified health professional, when it addresses a diagnosed condition (such as obesity, diabetes, or hypertension), or when it is prescribed by a physician as part of a treatment plan. Check with your specific plan administrator for details.

Why This Matters

The ability to use pre-tax HSA or FSA funds for health coaching makes this investment significantly more affordable. A $3,000 coaching engagement paid with pre-tax dollars costs considerably less in out-of-pocket terms depending on your tax bracket - making professional coaching accessible to more people.

• Ask your HR team or plan administrator whether coaching is covered under your specific plan
• Request a letter of medical necessity from your physician if the coaching addresses a chronic health condition
• Keep records of all coaching-related expenses for FSA reimbursement
• Use your FSA funds before December 31st - most FSA funds do not roll over