Is RingConn HSA/FSA Eligible? Yes, Here's How!

What Is RingConn

RingConn makes smart rings that track your activity and sleep right from your finger. There's no screen. Each ring collects the data, and the phone app is where you see your steps, activity, heart-rate trends and sleep patterns.

You can pick from three rings right now, Gen 3, Gen 2, and Gen 2 Air, with regular prices starting at $199. Nice detail: RingConn says there's no subscription fee. Gen 3 adds vibration alerts, and Gen 2 Air is the cheapest way in. Whichever you choose, you get the same app-based tracking.

For your HSA or FSA, the tracking has to serve a health condition. A Letter of Medical Necessity puts that reason in writing. Our smart rings eligibility guide covers the wider category.

Why RingConn Qualifies for HSA/FSA

RingConn qualifies when a licensed provider connects activity tracking to a specific health condition in your LMN. IRS Publication 502 defines medical expenses as the costs of “diagnosis, cure, mitigation, treatment, or prevention of disease.” Your letter explains how a smart ring fits into your care. Here are a few of the common conditions a provider can document:

Obesity: A provider can build activity tracking into a weight-management plan, so you can see whether you're hitting your daily movement goals. A 2022 umbrella review in The Lancet Digital Health, basically a review of reviews, examined 39 of them covering 163,992 participants in clinical and nonclinical populations. Taken together, the meta-analyses it reviewed suggested wearable activity trackers led to about 1,800 more steps a day and about 1 kilogram less bodyweight.
Type 2 diabetes: Seeing your daily steps can help you stick to the activity goals in your diabetes-management plan. A 2023 systematic review and meta-analysis in Endocrine Practice included 25 studies of people with type 2 diabetes. Interventions using wearable activity monitors improved daily steps and HbA1c, a measure of blood sugar over time.
Prediabetes: A daily step count shows how you are keeping up with the activity goals in a plan to keep prediabetes from turning into type 2 diabetes. NIDDK's prediabetes guidance puts being physically active among the healthy-living changes that may help prevent or reverse the condition. It also notes: “Planning and tracking your progress can also help you make lifestyle changes.”

Other conditions count too, when your provider documents in your letter how tracking your activity helps you manage them.

How to Get RingConn Covered With a Letter of Medical Necessity

There are two ways to get a Letter of Medical Necessity for your RingConn:

Through Crates, typically in under 24 hours. The online health assessment takes about 2 to 3 minutes to fill out. A licensed provider reviews it and, if you qualify, issues your letter for RingConn. You can use the LMN for 12 months, and it renews each year.
Through your own doctor, a few days to a few weeks. Book a visit, say you want to buy RingConn with HSA/FSA funds, and ask them to document how a smart ring helps prevent, manage, or reverse your condition. Make sure the letter comes signed and dated. A copay for the visit is possible.

How to Buy RingConn With HSA/FSA Funds

Your letter works wherever you shop: buy your RingConn, then get your money back.

Get your Letter of Medical Necessity first. Go through Crates or your own doctor, as above, so the medical purpose of your RingConn is in writing.
Buy RingConn anywhere. Use your personal card, online or in store. Keep an itemized receipt that shows the item and amount paid.
Get your funds back. Crates one-click reimbursement files the claim for your ring, or you can upload the letter and receipt yourself; for an HSA, keep both documents with your tax records.

Our HSA vs. FSA guide breaks down how the two accounts compare.

Which RingConn Models Qualify

All three rings, Gen 3, Gen 2, and Gen 2 Air, are eligible with an LMN documenting their medical purpose. They differ in price, features and how they charge. The letter works the same for each, tying the ring you pick to your health condition.

Model	What it is	Regular list price	HSA/FSA eligibility
RingConn Gen 3	Smart ring with vibration alerts and a charging case	$349–$369	Yes, with an LMN
RingConn Gen 2	Titanium smart ring with a charging case	$299–$399	Yes, with an LMN
RingConn Gen 2 Air	Entry-price smart ring with a charging dock	$199	Yes, with an LMN

These are RingConn's regular U.S. prices, checked on its own site on October 19, 2026. Gen 3 starts at $349, with its Brushed Silver and Brushed Rose Gold finishes at $369. Gen 2 starts at $299, with Rose Gold listed at $399. Every finish qualifies with an LMN.

How Much You Can Save on RingConn

Here's what the tax break is worth: as much as 30% saved on an eligible RingConn when you pay with pre-tax HSA or FSA money. Take a Gen 2 at its $299 regular price. At a combined 30% tax rate, you skip $89.70 in taxes, so it costs you $209.30 plus any sales tax and shipping. Your actual savings depend on your tax rates and how you fund the account.

Frequently Asked Questions

Is RingConn HSA approved?

Yes, you can use HSA money for a RingConn once an LMN ties its activity tracking to your health condition. For example, your provider can explain how it helps you follow daily movement goals. Letter first, then the ring; after that, pay yourself back from the HSA and save the letter and receipt.

Is RingConn FSA eligible?

Yes, RingConn is FSA eligible with a Letter of Medical Necessity that explains its medical purpose. That covers the Gen 3, Gen 2, and Gen 2 Air. Your provider or Crates can write the letter; once you've bought the ring, upload it and the itemized receipt to your FSA.

Can I buy RingConn directly with my HSA or FSA card?

You can try, but most online stores aren't set up to take HSA or FSA cards, so expect to pay with your personal card. Keep your LMN and the itemized receipt, then get reimbursed after. Crates turns the filing into one click: we send the claim, and the eligible amount comes back to you.

Do I need a Letter of Medical Necessity for RingConn?

Yes. The LMN is your provider saying, in writing, that a RingConn belongs in your care for a health condition. One example is activity tracking in a weight-management plan. Get the letter ahead of buying, then upload it with your receipt when you file for reimbursement.

Is RingConn Gen 3 HSA eligible?

Yes, RingConn Gen 3 is HSA eligible with an LMN, in every finish. It works the same as the other rings: a provider ties its activity tracking to your health condition. With your LMN ready, buy your Gen 3 and upload your receipt.

Can I get reimbursed if I already bought RingConn?

You can get your letter now for a RingConn you already bought, and your account dates and the letter decide what you can file. Upload the letter with your original itemized receipt when you file. For your next RingConn purchase, get your letter before you buy.

Can I use HSA or FSA funds for RingConn accessories?

Yes, a replacement RingConn charger, such as the Charging Dock or Gen 3 Charging Case, qualifies with the same LMN. Publication 502 treats operation and upkeep as medical expenses “as long as the main reason for them is medical care.” RingConn's sizing kit is free when you order a ring. Upload the charger's itemized receipt with your letter.

How much can I save on RingConn with HSA/FSA funds?

Up to 30%, thanks to the tax break on HSA and FSA money. You won't see it as a discount in your cart; the savings come from the taxes you skip. Get your LMN, buy your eligible RingConn, and file for reimbursement. The exact amount comes down to your tax rates and the way you fund the account.