Does My Health Insurance Cover a Gym Membership

does my health insurance cover gym membership

Staying fit is crucial; many wonder if their health insurance covers gym memberships. This article provides clear answers and useful resources.

Understanding Health Insurance Coverage

Health insurance typically covers:

  • Medical expenses
  • Preventive care
  • Wellness programs

Coverage Details for Gym Memberships

Does health insurance cover gym memberships? It depends on the plan. Some offer full or partial coverage.


Eligibility Criteria

Typical requirements:

  • Enrollment in a qualifying plan
  • Regular gym attendance
  • Use of approved fitness facilities

Claim Process

  1. Join a qualifying gym
  2. Save receipts and proof of payment
  3. Submit a reimbursement claim online or by mail

Documents Needed:

  • Membership proof
  • Payment receipts

Insurance Providers and Plans

Providers Offering Gym Benefits:

Popular Plans:

Cost Implications

  • Additional premiums may apply
  • Check plan details for costs

Tax Implications of Gym Reimbursements

Whether gym membership reimbursements from your health insurance plan are considered taxable income can vary based on the specific plan and insurer policies. In general, there are a few different scenarios:

Employer-Sponsored Health Plans

If your gym membership reimbursement comes through an employer-sponsored health insurance plan, it is typically treated as a tax-free fringe benefit and not taxable income. This applies to reimbursements paid directly by the employer and through the insurance plan.

Individual Health Plans

The tax treatment is less clear for individual health insurance plans purchased through the marketplace or directly from an insurer. The IRS has not provided definitive guidance on whether gym reimbursements under these plans should be considered taxable compensation.

Some experts argue that reimbursements could be considered tax-free under the medical expense deduction if they treat a specific medical condition diagnosed by a physician. However, in most cases, general fitness and gym memberships likely do not qualify for this deduction.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

If your gym membership fees are reimbursed through an HSA or FSA account, those reimbursements are not considered taxable income since the accounts are funded with pre-tax dollars.


No matter the reimbursement source, be sure to keep detailed documentation and receipts related to any gym membership costs that were reimbursed. This will help substantiate tax positions if questions arise.

It’s advisable to consult a qualified tax professional to understand the specific tax implications based on your health insurance coverage and reimbursement details. Tax laws can change yearly, so staying up-to-date is important.

Virtual Fitness Options and Insurance Coverage

As virtual fitness platforms and online workout subscriptions have grown in popularity, many health insurance providers have started offering discounts or reimbursements for these services. This provides an alternative to traditional gym memberships for those who prefer the convenience and flexibility of exercising from home.

Popular Virtual Fitness Options

Some of the top virtual fitness platforms and apps that may be eligible for insurance discounts or reimbursements include:

  • Peloton App
  • Apple Fitness+
  • Obé Fitness
  • Daily Burn
  • Glo (yoga/meditation)
  • Aaptiv (audio fitness classes)

How Insurance Coverage Works

Coverage for virtual fitness varies by insurance provider and plan. Some common approaches include:

  • Discounted subscription rates through partnership deals
  • Partial or full reimbursement for subscription costs after meeting usage requirements
  • Including virtual fitness as part of a wellness incentive program

For example, certain UnitedHealthcare plans offer reimbursement of up to $200 per year for purchase of the Peloton App subscription after logging a minimum number of workouts.

Eligibility and Claims Process

To receive virtual fitness discounts or reimbursements, members typically need to:

  1. Enroll in an eligible insurance plan that includes these benefits
  2. Subscribe to an approved/participating virtual platform
  3. Track and log workout activity through the app
  4. Submit reimbursement claims along with proof of payment

The specific eligibility criteria, approved platforms, and claims process will be outlined in each insurance plan’s details.

Benefits of Virtual Fitness Options

Compared to gym memberships, virtual fitness can provide greater flexibility to work out anytime, anywhere. It eliminates barriers like commuting and crowded facilities. Many also prefer the wide variety of workout options and ability to exercise in private.

As insurers increasingly recognize these benefits and consumer demand, more plans may add virtual fitness incentives as a cost-effective way to promote physical activity and overall wellness for members.

Alternative Wellness Benefits

Other wellness benefits:

  • Fitness classes
  • Health coaching
  • Discounts on wellness programs


Benefit TypeProviders
Fitness ClassesAetna, UnitedHealthcare
Health CoachingCigna, Kaiser Permanente
Wellness Program DiscountsBlue Cross Blue Shield, Humana


Understanding your health insurance benefits can help you maintain a healthy lifestyle. Check your plan and take advantage of available wellness programs.

Additional Resources

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