💡 Quick Answer: Life Time Fitness is HSA/FSA eligible because it helps prevent, manage, and reverse a variety of health conditions including obesity, hypertension, cardiovascular disease, diabetes, and depression, 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 Life Time Fitness and thousands of other wellness products, plus we handle your reimbursements directly through our platform with just one click.
What is Life Time Fitness
Life Time Fitness positions itself as an athletic country club rather than just a gym. With over 170 locations across the United States and Canada, Life Time offers a comprehensive wellness experience that goes far beyond traditional fitness centers. Think resort-style amenities combined with elite athletic facilities, where you can work out, recover, socialize, and even work remotely all under one roof.
Members get access to an extensive range of facilities including Olympic-size pools, basketball and racquetball courts, rock climbing walls, dedicated cycling and yoga studios, functional training areas, and state-of-the-art strength and cardio equipment. The group fitness program includes everything from boutique-style classes (HIIT, barre, Pilates) to specialized programs like GTX training and signature cycle classes. Many locations feature full-service spas, cafes serving healthy food, co-working spaces, and even childcare facilities.
This isn’t just about having somewhere to lift weights. 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 comprehensive fitness facility like Life Time, which provides access to pools, courts, strength equipment, and group fitness, gives members multiple pathways to meet these clinical guidelines for disease prevention and management.
Why Life Time 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.”
This means Life Time Fitness membership can qualify for HSA/FSA reimbursement for prevention or treatment of:
- Obesity and weight management disorders – Comprehensive access to cardio equipment, strength training, swimming pools, group fitness classes, and nutrition guidance supports medically supervised weight loss. The CDC reports that over 40% of American adults have obesity, making this the most common qualifying condition.
- Hypertension (high blood pressure) – Swimming, cardiovascular exercise, and stress reduction through yoga and meditation classes provide multiple approaches to blood pressure management.
- Type 2 diabetes and pre-diabetes – Resistance training and cardiovascular exercise improve insulin sensitivity. The CDC’s National Diabetes Prevention Program specifically recommends structured physical activity programs.
- Cardiovascular disease – Pool therapy, cardiac conditioning programs, and monitored exercise support heart health and rehabilitation protocols.
- Depression and anxiety disorders – Exercise, group fitness community, and stress management programs are clinically proven to reduce symptoms. A comprehensive meta-analysis published in the British Medical Journal analyzing 218 randomized trials found that exercise is an effective treatment for depression, with walking, jogging, yoga, and strength training showing significant benefits.
- Musculoskeletal conditions and chronic pain – Physical therapy-style equipment, pool therapy for low-impact movement, and functional training areas support rehabilitation and pain management.
- Arthritis and joint disorders – Pool access for low-impact exercise and comprehensive equipment support joint health programs recommended by rheumatologists.
- Metabolic syndrome – Integrated approach to fitness, nutrition support, and comprehensive facilities address multiple risk factors simultaneously.
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 Get Your Life Time Membership Approved
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.
Life Time Fitness Membership Costs and HSA/FSA Savings
Life Time Fitness offers multiple membership tiers with pricing that varies by location and access level:
| Membership Tier | Monthly Cost | Access Level | Key Features |
|---|---|---|---|
| Standard/Digital | $79 – $129 | Single club only | Full facility access, group fitness classes, pools, courts |
| Signature | $149 – $199 | Regional multi-club access | All standard amenities + priority booking, enhanced services |
| Premier/Executive | $199 – $300+ | Nationwide access | All signature amenities + guest privileges, premium perks |
Additional Fees to Know About:
- Initiation Fee: $49 – $170 (often waived during promotions)
- Family Memberships: $142 – $399/month for two adults and two children
- Personal Training: Additional cost based on trainer experience and package
- Youth Memberships (Under 26): $72 – $219/month at discounted rates
Prices vary significantly by location. Urban clubs in cities like New York, San Francisco, and Miami typically cost more than suburban locations.
Frequently Asked Questions
Do other premium 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.
Can I use HSA/FSA for Life Time personal training and nutrition coaching?
Yes. Personal training sessions and nutrition coaching can qualify for HSA/FSA reimbursement when they’re part of a medically supervised treatment plan. You’d need a separate Letter of Medical Necessity and it should specifically mention these services as medically necessary for your condition. Crates can help with those Letters of Medical Necessity as well.
Does Life Time’s spa and recovery services qualify for HSA/FSA?
Yes. Massage therapy, cryotherapy, sauna sessions, and other recovery modalities can qualify for HSA/FSA when they’re medically necessary for treating conditions like chronic pain, arthritis, or sports injuries. These would typically require separate documentation from your healthcare provider specifying the medical necessity of the recovery treatment. Crates can help with those Letters of Medical Necessity as well.
How does reimbursement work?
Life Time Fitness doesn’t accept HSA/FSA cards directly for membership fees. You’ll pay with your personal card, then submit for reimbursement through your HSA/FSA administrator. With Crates Health, we simplify this process: upload your receipt and get one-click reimbursements directly through our platform.
What is a Letter of Medical Necessity?
A Letter of Medical Necessity (LMN) is documentation from a licensed healthcare provider explaining why your Life Time Fitness membership is medically necessary for treating a diagnosed condition. It’s the official paperwork proving your gym membership isn’t just for general fitness. Each LMN typically remains valid for 12 months from the date of issue.
Will my HSA/FSA 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, LMN documentation, or unclear medical necessity. Crates Health supports you through any denials and make sure you get reimbursed.
Do other fitness and wellness products qualify for HSA/FSA?
Yes! With the right medical documentation, you can use HSA/FSA funds for fitness trackers (Apple Watch, Fitbit, Garmin), home gym equipment, boutique fitness classes (F45, OrangeTheory, SolidCore), yoga studio memberships, supplements, and more, as long as they’re recommended for treating specific medical conditions.
