Is Ultrahuman Ring HSA/FSA Eligible? Yes, Here’s How!
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Is Ultrahuman Ring HSA/FSA Eligible? Yes, Here’s How!

· 5 min read HSA/FSA Eligibility

Quick Answer:

Yes, Ultrahuman Ring is HSA/FSA eligible. You just need a Letter of Medical Necessity (LMN) from a licensed healthcare provider. Under IRS Publication 502, health monitoring devices qualify when used to prevent, manage, or reverse conditions like metabolic disorders, sleep disorders, or cardiovascular disease.

Crates Health makes this easy. Get your personalized, compliant LMN and handle your reimbursement in one click.

What is Ultrahuman Ring

Ultrahuman Ring Air is the world’s lightest smart ring at just 2.4 grams, but don’t let the weight fool you. This is a clinical-grade health monitoring device disguised as jewelry, and the best part? No subscription fees, ever.

The health features are comprehensive. Continuous heart rate variability (HRV) monitoring validated against medical-grade chest straps. AFib detection for cardiac arrhythmia screening. Four-stage sleep tracking including REM, deep, light, and awake phases. Movement index for 24/7 activity monitoring. Skin temperature sensing for illness detection and metabolic tracking. Recovery scores that actually tell you when to push hard and when to rest.

This isn’t just another fitness tracker. Ultrahuman integrates with their M1 continuous glucose monitor for metabolic health optimization, something no other ring offers. Crafted from space-grade titanium with water resistance to 100 meters and 6-day battery life, it’s designed for continuous wear without the monthly subscription trap that competitors like Oura Ring require.

What sets Ultrahuman apart is real-time nudges. Not insights you check tomorrow, but alerts that tell you in the moment when your stress is spiking or your recovery is optimal. That along with the fact that it can be used to help prevent, manage, or reverse health conditions is why Ultrahuman Ring Air and other fitness trackers qualify for HSA and FSA reimbursement.

Why Ultrahuman Qualifies for HSA/FSA Eligibility

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 Ultrahuman Ring Air can qualify for HSA/FSA reimbursement when used for prevention or treatment of:

  • Sleep disorders – Four-stage sleep tracking, sleep efficiency monitoring, respiratory rate analysis, and circadian rhythm optimization for insomnia, sleep apnea monitoring, and sleep quality disorders
  • Cardiovascular conditions – AFib detection, continuous heart rate monitoring, HRV tracking for autonomic nervous system function, and cardio fitness assessment for heart disease, arrhythmias, and hypertension management
  • Mental health conditions – HRV-based stress monitoring, recovery tracking for anxiety management, and real-time stress nudges for depression, PTSD, and chronic stress disorders
  • Metabolic disorders – Activity tracking for blood sugar management, CGM integration with Ultrahuman M1, movement monitoring, and metabolic insights for diabetes, pre-diabetes, metabolic syndrome, and obesity
  • Chronic fatigue and recovery – Daily recovery scores, strain tracking, energy optimization, and sleep quality analysis for chronic fatigue syndrome, fibromyalgia, and post-viral recovery
  • ADHD and attention disorders – Sleep optimization, stress management, and activity tracking to support focus and medication effectiveness

The key requirement is that a healthcare provider must document the health monitoring device as medically necessary for preventing or 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 HSA/FSA Eligibility For Ultrahuman

Traditional Route: Schedule an appointment with your primary care physician, discuss your health conditions and monitoring needs, and request a Letter of Medical Necessity if continuous biometric tracking 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.

Check your Ultrahuman Eligibility

Frequently Asked Questions

Are other smart rings and fitness trackers HSA/FSA eligible?

Yes. With proper medical documentation, you can use HSA/FSA funds for Garmin watches , Samsung Galaxy Watch , Fitbit , Whoop , Oura Ring , Ultrahuman Ring and other health-tracking wearables when they’re recommended for treating specific medical conditions. Related guides: Garmin (https://www.crateshealth.com/blog/hsa-fsa-eligibility/garmin-watches/), Fitbit (https://www.crateshealth.com/blog/hsa-fsa-eligibility/fitbit/), Oura Ring (https://www.crateshealth.com/blog/hsa-fsa-eligibility/oura-ring/), Samsung Galaxy Watch (https://www.crateshealth.com/blog/hsa-fsa-eligibility/samsung-galaxy-watch/)

How does the reimbursement process work?

Ultrahuman may accept HSA/FSA cards directly for fitness trackers. But in the case they do not, you’ll purchase with your personal card, save your receipt, then submit the receipt and LMN 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 Ultrahuman Ring Air is medically necessary for preventing or treating a diagnosed condition. Each LMN typically remains valid for 12 months.

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 makes sure you get reimbursed.

Can I use my HSA/FSA for Ultrahuman accessories?

Generally, no. HSA/FSA funds cover the ring itself when it's medically necessary, but accessories like charging docks and sizing kits typically don't qualify unless they're essential to the medical function. However, many other wellness products qualify such as saunas , supplements , gym memberships , and sleep technology .

Can I use my HSA/FSA for the Ultrahuman M1 glucose monitor?

Yes. Continuous glucose monitors like the Ultrahuman M1 typically qualify for HSA/FSA reimbursement more easily than fitness trackers because they're more clearly medical devices. If you're using both the Ring Air and M1 together for comprehensive metabolic health monitoring, both can potentially qualify with proper medical documentation.

Can I buy Ultrahuman Ring Air with my FSA as well?

Yes. Ultrahuman Ring Air is FSA eligible just like it's HSA eligible. Just be mindful of your FSA plan year and use-it-or-lose-it deadline. If you're approaching your FSA expiration date, Ultrahuman Ring Air's one-time purchase (no recurring subscriptions) can be a smart way to use remaining funds on something that genuinely improves your health.

Anchor Ebanks

Written by

Anchor Ebanks

Anchor Ebanks is an HSA/FSA optimization expert featured in Yahoo Finance, The American Journal of Healthcare Strategy, Admissions Gateway, and Poets & Quants. He attended Harvard Business School and was an AI research fellow at the Berkman Klein Center for Internet & Society focused on healthcare access. Prior to wellness benefits, he spent nearly a decade at Google, YouTube, and Deloitte. Connect on LinkedIn, Twitter, or at anchor@crateshealth.com.