💡 Quick Answer: Crunch Fitness is HSA/FSA eligible because it helps prevent, manage, and reverse a variety of health conditions including obesity, cardiovascular disease, type 2 diabetes, and many others. According to IRS Publication 502, all you need is a Letter of Medical Necessity.
Luckily, we make it ridiculously simple. Crates Health is the fastest way to get your personalized and compliant letter for Crunch Fitness and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
What is Crunch Fitness
Crunch Fitness has grown from a single gym in New York City’s East Village in 1989 to over 460 locations across the United States and internationally. The brand built its reputation on the tagline “No Judgments” and a philosophy that fitness should be fun, not intimidating. Whether you’re a first-timer or a seasoned athlete, Crunch positions itself as the gym where everyone belongs.
What makes Crunch stand out is the combination of affordability and variety. Even at the base tier, you get access to strength and cardio equipment, locker rooms, and their signature group fitness classes. Move up to Peak or Peak Results memberships and you unlock features like HydroMassage beds, tanning, guest privileges, personal training perks, and access to any Crunch location nationwide. Their group fitness lineup includes everything from yoga and Pilates to high-intensity interval training, cycling, and their popular Crunch Live on-demand workouts.
This isn’t just about having a place to exercise. The CDC reports that regular physical activity can prevent an estimated 110,000 deaths per year among U.S. adults and reduce the risk of heart disease, type 2 diabetes, and eight types of cancer. Research published in the American Heart Association’s journal Circulation found that meeting physical activity guidelines is associated with a 14% reduced risk of coronary heart disease and approximately 40% reduction in cardiovascular disease mortality. A gym membership that provides structured access to cardio, strength training, and group fitness is one of the most effective ways to meet these clinical guidelines.
Why Crunch Fitness Qualifies for HSA/FSA
According to IRS regulations, gym memberships can qualify as eligible medical expenses with a Letter of Medical Necessity under specific circumstances outlined in Publication 502.
IRS Publication 502 states that medical expenses are “the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body,” but “must be primarily to alleviate or prevent a physical or mental condition or illness.”
A 2024 meta-analysis published in the British Medical Journal analyzed 218 randomized controlled trials and found that exercise is an effective treatment for depression, with effects comparable to psychotherapy and pharmacotherapy. The study included over 14,000 participants and demonstrated that structured physical activity programs produce clinically meaningful improvements in mental health outcomes.
This means Crunch Fitness membership can qualify for HSA/FSA reimbursement for prevention or treatment of:
- Obesity and weight management disorders
- Cardiovascular disease and hypertension
- Type 2 diabetes and pre-diabetes
- Depression and anxiety disorders
- Chronic back pain and musculoskeletal conditions
- Arthritis and joint disorders
- Osteoporosis and bone density issues
- Metabolic syndrome
The key requirement is that your healthcare provider must document the gym membership as medically necessary for managing your specific health condition, not just for general wellness. This documentation comes in the form of a Letter of Medical Necessity (LMN).
How to Assess Your Eligibility
Traditional Route: Schedule an appointment with your primary care physician, discuss your health conditions and fitness goals, and request a Letter of Medical Necessity if exercise is recommended as part of your treatment plan. This typically requires an office visit, potential wait times, and can cost $50-100+ depending on your insurance.
Faster, Smarter Route: Use Crates Health to get your Letter of Medical Necessity online in just a few minutes. Our platform connects you with licensed healthcare providers who can evaluate your conditions remotely and issue the appropriate documentation if you qualify. No office visits, no waiting weeks for appointments, and no surprise medical bills.
Crunch Fitness Membership Options and Pricing
Crunch Fitness offers three main membership tiers designed to fit different budgets and fitness goals. Here’s what you can expect to pay and potentially reimburse through your HSA/FSA:
| Membership Tier | Monthly Cost | Access Level | Key Amenities |
|---|---|---|---|
| Base/Crunch | $9.99 – $15.99 | Single club only | Cardio and strength equipment, locker rooms, group fitness classes |
| Peak | $22.99 – $24.99 | All Crunch locations | All Base amenities + Crunch Live on-demand workouts, guest privileges, HydroMassage |
| Peak Results | $31.99 | All Crunch locations | All Peak amenities + HIIT Zone classes, tanning, personal training discounts |
Additional Fees to Know About:
- Annual Fee: $49.99 (billed approximately 6-8 weeks after enrollment, then annually)
- Initiation Fee: $0 – $59 (varies by location and promotions)
- Personal Training: Additional cost, but Peak Results members get discounted rates
Prices vary by location since many Crunch gyms are franchises with independent pricing. The good news? All of these costs can potentially be reimbursed through your HSA/FSA with the proper documentation.
What’s Included at Each Level
Crunch differentiates itself through its group fitness programming. Even base members get access to classes like yoga, Zumba, cycling, and strength training. Peak and Peak Results members unlock additional perks:
- HydroMassage: Water-based massage beds for post-workout recovery
- Crunch Live: On-demand workout library accessible from home
- HIIT Zone: High-intensity interval training classes with heart rate monitoring (Peak Results)
- Tanning: UV tanning beds (Peak Results)
- Guest Privileges: Bring a friend to work out with you
Frequently Asked Questions
Do other fitness and wellness products qualify for HSA/FSA?
Absolutely! With the right medical documentation, you can potentially use HSA/FSA funds for personal training sessions, fitness trackers, home gym equipment, massage therapy, and even supplements, as long as they’re recommended for treating specific medical conditions.
How does reimbursement work?
Most gyms don’t accept HSA/FSA cards directly. You’ll need to pay with your personal card, then submit your receipt and Letter of Medical Necessity to your HSA/FSA administrator for reimbursement. With Crates, we simplify this entire process: upload your receipt and get one-click reimbursements all from our platform.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is a document from a licensed healthcare provider that explains why a specific expense like your Crunch Fitness membership is medically necessary for treating a diagnosed condition. It’s the official paperwork that proves your gym membership isn’t just for general fitness. Each LMN typically remains valid for 12 months from the date of issue.
Will my claim get denied?
Every HSA/FSA administrator is unique and may initially deny some claims. Usually, denials are related to receipt format (must be itemized), LMN format, or missing supporting documentation. With Crates, we support you through this process and make sure you get your money back.
What group fitness classes does Crunch offer?
Crunch offers a wide variety of group fitness classes including yoga, Pilates, cycling, Zumba, BODYPUMP, kickboxing, dance fitness, HIIT training, and strength classes. Class availability varies by location, but most clubs offer 30+ classes per week. Peak Results members also get access to specialized HIIT Zone classes with heart rate monitoring.
