💡 Quick Answer: EOS 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 EOS Fitness and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
What is EOS Fitness
EOS Fitness is a fast-growing gym chain with over 75 locations across Arizona, California, Nevada, Utah, Texas, and Florida. The brand has carved out a unique position in the market by offering premium amenities at budget-friendly prices. Their facilities feel more like high-end health clubs, featuring Cardio Theaters with big screens, VR Training zones, saunas, hot rooms, and group fitness studios, but at price points that compete with basic gyms.
What sets EOS apart is their technology integration and facility design. Their MoveOS Cinema experience combines entertainment with cardio workouts, and VR Training stations offer immersive fitness experiences you won’t find at traditional gyms. Beyond the tech, EOS locations are spacious and well-equipped with extensive free weight areas, turf training zones, and comprehensive group fitness schedules. Some locations even offer childcare services, making it easier for parents to prioritize their health.
This isn’t just about having a flashy place to work out. 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 approximately 40% reduction in cardiovascular disease mortality. A gym that makes working out engaging and accessible is more likely to encourage the consistent exercise habits that produce these clinical benefits.
Why EOS 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 involving over 14,000 participants and found that exercise is an effective treatment for depression. The study demonstrated that structured physical activity programs produce clinically meaningful improvements in mental health outcomes comparable to psychotherapy and medication. This evidence supports why regular gym access can be medically necessary.
This means EOS 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.
EOS Fitness Membership Options and Pricing
EOS Fitness offers three color-coded membership tiers with increasing amenities and access. Here’s what you can expect to pay and potentially reimburse through your HSA/FSA:
| Membership Tier | Monthly Cost | Access Level | Key Amenities |
|---|---|---|---|
| Gray (Basic) | $9.99 – $15.99 | Single location | Cardio and strength equipment, locker rooms, showers |
| Blue (Mid-Tier) | $15.99 – $19.99 | Multiple locations | All Gray amenities + group fitness classes, water fitness, additional amenities |
| Black (Premium) | $19.99 – $24.99 | All EOS locations | All Blue amenities + unlimited guest privileges, premium amenities, Platinum club access |
Additional Fees to Know About:
- Annual Fee: $49.99 (billed approximately one month after signup, then annually)
- Processing Fee: $2.99/month (waived if you pay via ACH/bank transfer)
- Lux Gyms: Premium locations start at $39.99/month
Prices vary by location, and some clubs have higher base rates depending on the market. All of these costs can potentially be reimbursed through your HSA/FSA with proper documentation.
Unique EOS Features
EOS Fitness differentiates itself with technology and amenities you won’t find at most budget gyms:
- VR Training: Virtual reality fitness experiences that make cardio engaging
- Cardio Theaters: Movie-theater style cardio rooms with big screens
- MoveOS Cinema: Immersive entertainment during workouts
- Saunas and Hot Rooms: Recovery amenities at most locations
- Turf Training Areas: Functional fitness zones for dynamic workouts
- Childcare: Available at select locations for an additional fee
Frequently Asked Questions
Do other gym memberships qualify for HSA/FSA?
Yes! With proper medical documentation, you can use HSA/FSA funds for Equinox, 24 Hour Fitness, CorePower Yoga, Solidcore, and other premium fitness facilities when recommended for treating specific medical conditions. The IRS doesn’t distinguish between budget and premium gyms. What matters is medical necessity, not membership price.
How does reimbursement work?
Most gyms don’t accept HSA/FSA cards directly. You’ll need to pay with your personal card or bank account, 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 EOS 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?
With Crates, it rarely happens. That said, every HSA/FSA administrator is different, and some may initially deny claims due to receipt format (must be itemized), LMN format, or missing supporting documentation. Crates Health supports you through any denials and make sure you get reimbursed.
Where is EOS Fitness located?
EOS Fitness currently operates over 75 locations across Arizona, California, Nevada, Utah, Texas, and Florida. The chain is expanding rapidly, so new locations may be opening in your area. Check their website for the most current list of clubs.
