Got FSA money left this year? Enter your balance and your plan's deadline to see how many days you have, how much is at risk, and how many live HipTrain sessions it could cover. Everything runs in your browser; nothing you type is sent anywhere.
This is an estimate, not tax advice. Personal training counts as an FSA expense only if your plan approves it via a Letter of Medical Necessity. HipTrain works with Truemed for HSA / FSA reimbursement: pay with a regular card, take the Truemed survey the same day, and submit for reimbursement if you get a letter. Check your plan. Sessions count when they happen, not when you pay.
How the math works
- Deadline. Your plan year end date, or 2 months and 15 days later if your plan has a grace period (so March 15 for a December 31 plan).
- At risk. Your whole balance, minus the carryover amount if your plan has one.
- Sessions covered. Your balance divided by HipTrain's price per session: the monthly plan price divided by the sessions in an average month (about 4.33 per weekly session).
- Before the deadline. Weeks left times sessions a week. Plans are billed monthly, so actual charges depend on your billing dates.
HipTrain prices used
| Plan | 1 a week | 2 a week | 3 a week | Per session |
|---|---|---|---|---|
| 30-minute sessions | $59.49/mo | $119.99/mo | $179.99/mo | About $14 |
| 60-minute sessions | $109.99/mo | $219.99/mo | $319.99/mo | About $25 |
Before you spend FSA money on training
- Check your plan. Search your FSA account for "exercise," "fitness" or "letter of medical necessity."
- See if you qualify. After you pay for HipTrain with a regular card, take Truemed's private health survey the same day. If a licensed provider finds you eligible, you get a Letter of Medical Necessity in 1 to 2 days and submit for reimbursement. Your own doctor is another route.
- Start sessions now. Only sessions that happen before your deadline count.
- Keep records. Save the letter, receipts and session dates.
Full details: how to pay for HipTrain with your HSA or FSA, and our guide to using your FSA for personal training before it expires. Check with your doctor before starting a new exercise program.
Questions
Can I use my FSA for a personal trainer?
Sometimes. Personal training generally counts only when it treats a specific condition a doctor has diagnosed, and most plans ask for a Letter of Medical Necessity. HipTrain works with Truemed: you pay for HipTrain with a regular card (not your HSA or FSA card), take Truemed's private health survey the same day, and a licensed provider reviews it. If you are eligible, you get a Letter of Medical Necessity in 1 to 2 days, then submit your purchase to your HSA or FSA for reimbursement. Truemed says claims are usually paid in 2 to 4 weeks. Check your plan.
What happens to FSA money I do not use?
Most health FSAs are "use it or lose it." Unless your plan has a grace period (up to 2.5 months after the plan year ends) or a carryover (up to $680 from a 2026 plan year), unused money goes back to your employer.
Can I prepay sessions in December to use my FSA?
Usually not. An FSA expense is incurred when the service is provided, not when you pay. Sessions in January are January expenses. That is why the calculator counts only sessions that happen before your deadline.
What is the difference between a grace period and a run-out period?
A grace period gives you extra time to have new expenses, up to 2.5 months after the plan year. A run-out period is extra time to file claims for expenses you already had. Your plan may have one, both or neither.
How much does HipTrain cost per session?
About $14 for a 30-minute session and about $25 for a 60-minute session, billed monthly: $59.49, $119.99 or $179.99 a month for 30-minute sessions, and $109.99, $219.99 or $319.99 for 60-minute sessions. The first session is free.
Sources
- IRS Rev. Proc. 2025-32 (2026 FSA limit $3,400, carryover $680)
- IRS Notice 2013-71 (grace period vs carryover)
- Healthcare.gov: using a flexible spending account
- IRS Publication 502: medical and dental expenses
Rules and figures checked October 2026. General information, not tax advice.