What Is Samsung Galaxy Ring
Samsung Galaxy Ring is Samsung's smart ring. There's no screen: it tracks your activity and sleep and sends it all to the Samsung Health app. You wear it all day and to bed, then check your phone for your walking, sleep and heart-rate records. That's the appeal: you can see how you slept without wearing a watch to bed.
Inside, Samsung lists three sensors: an accelerometer for movement, an optical sensor for heart rate and a skin-temperature sensor. The ring can tell when you're walking or running, and Samsung Health pulls it all together with sleep insights and an Energy Score.
The current Galaxy Ring comes in Titanium Black, Titanium Silver and Titanium Gold, with a regular list price of $399.99. To pay for it from your HSA or FSA, you'll need a Letter of Medical Necessity documenting that your provider recommends activity tracking to manage your health condition.
Why Samsung Galaxy Ring Qualifies for HSA/FSA
The Galaxy Ring qualifies with an LMN if you use its tracking for a specific medical reason. IRS Publication 502 defines medical expenses as the costs of “diagnosis, cure, mitigation, treatment, or prevention of disease.” Your letter explains how the ring's activity records help you handle a health condition. A provider can document a number of conditions, and these are two of the common ones:
- Obesity: If your provider has you on a weight-management plan, activity tracking can be part of it. A 2022 review of 39 systematic reviews and meta-analyses looked at wearable activity trackers. Across them, the results suggested trackers improve activity and body composition: about 1,800 extra steps a day and about 1 kilogram less bodyweight.
- Type 2 diabetes: The ring's movement records can help you keep up with an activity plan for managing diabetes. A 2023 review of 25 studies looked at people with type 2 diabetes. It found that programs using wearable activity monitors improved their daily steps, body mass index, waist circumference and HbA1c, a measure of blood sugar over time.
Those two aren't the only ones. If your provider ties the Galaxy Ring to another condition entirely, it qualifies the same way.
How to Get Samsung Galaxy Ring Covered With a Letter of Medical Necessity
The Letter of Medical Necessity for a Galaxy Ring can come from either route below:
- Through Crates, typically in under 24 hours. Start with an online health assessment that takes about 2 to 3 minutes. A licensed provider reviews it and, if you qualify, issues your letter for the ring. Your letter is valid for 12 months and renews each year.
- Through your own doctor, a few days to a few weeks. Book a visit with the provider who helps you manage your health condition and say you want to buy the ring with HSA/FSA funds. Ask them to document how the ring's activity tracking helps prevent, manage, or reverse that condition. Your provider needs to sign and date the letter, and you might owe a copay for the visit.
How to Buy Samsung Galaxy Ring With HSA/FSA Funds
Buy the ring wherever you like and file for reimbursement. New to these accounts? Our HSA vs. FSA guide walks through both.
- Get your Letter of Medical Necessity first. Use either route above, Crates or your own doctor, before you buy your Galaxy Ring.
- Buy the ring anywhere. Use your personal card whether you order online or shop in a store. Save the itemized receipt showing your Galaxy Ring and the amount paid.
- Get your money back. Crates one-click reimbursement files the claim for you, or you can upload the letter and receipt yourself. If your HSA pays you back, keep both with your tax records.
Samsung.com currently does not accept HSA/FSA cards, so if you buy straight from Samsung, use your personal card and get reimbursed after.
Which Samsung Galaxy Ring Models Qualify
The Galaxy Ring qualifies with an LMN in all three finishes. Pick any size or finish you like. The medical purpose is in the letter, not the color.
| Product | What it is | HSA/FSA eligibility |
|---|---|---|
| Samsung Galaxy Ring | Activity and sleep tracker in Titanium Black, Titanium Silver or Titanium Gold; regular price $399.99 | Yes, with an LMN |
On July 20, 2026, the FDA cleared Samsung's Sleep Apnea Feature v2.0, over-the-counter software that runs on a Galaxy Watch or Galaxy Ring paired with a Galaxy phone. It is intended to detect signs of moderate to severe sleep apnea in adults 18 and older who have not been diagnosed with sleep apnea. Samsung said in July that Galaxy Ring gets the feature this fall. The clearance covers the software; the ring itself still qualifies with an LMN for a health condition like obesity or type 2 diabetes.
Prefer a watch? See our Samsung Galaxy Watch HSA/FSA guide. Our smart rings eligibility guide covers the wider category.
