Wahoo and Zwift recently announced that riders with Healthcare Savings Accounts (HSA) and Flexible Savings Accounts (FSA) can purchase Zwift Ride smart bikes or Wahoo trainers—plus other hardware sold through both Zwift’s and Wahoo’s websites—using pre-tax dollars to save 30%.
Wahoo Kickr Snap Wheel-on Trainer
Wahoo Kickr Core Smart Trainer
Zwift Ride with Kickr Core
Wahoo Trackr Heart Rate Monitor
Where Can I Purchase HSA/FSA Eligible Products?
HSAs and FSAs are tax-deferred spending accounts widely offered through employer benefit plans. They allow people to spend pre-tax dollars deducted from their paychecks on qualifying health-related expenses such as prescription drugs, over-the-counter medications, and various medical devices.
The relatively complicated process of spending HSA and FSA funds has given rise to internet marketplaces that only deal in “approved products.” You can even see this on Amazon, where certain items are labeled as “HSA/FSA eligible” and can be purchased directly with an HSA or FSA debit card.
Searching Amazon for HSA/FSA-eligible cycling products returns over 100,000 results. However many don’t look to comport with even the most casual reading of the HSA/FSA rules.
Truemed (which works with Zwift and Wahoo) is another one of those marketplaces. It partners with fitness and wellness brands to streamline purchasing with HSA and FSA funds. The company aims to make it easier for users to use HSA/FSA funds on what co-founder Calley Means describes as “root cause” interventions.
More HSA/FSA Eligible Gear for Cyclists
Zwift and Wahoo aren’t the only brands riders can shop with pre-tax accounts. Oura and Whoop, two popular fitness and health trackers, are listed as eligible devices. So, if you have unused money in your HSA/FSA account (or you’re trying to decide how much to contribute to one for 2025) it’s worth considering and researching if a future cycling-related purchase can be made with pre-tax funds.
To purchase with HSA or FSA funds, the items must be regarded as medical devices to qualify. For example, Garmin sells smart scales, blood pressure monitors, and heart rate monitors. These are generally easy purchases to make using your HSA/FSA account.
However, say you wanted to purchase a Garmin Watch to track your sleep health and record occasional rides to Strava. For this, you will need a letter of medical necessity. This is where services like Truemed come in to provide such documentation. This is how Zwift and Wahoo can accept payment for things like smart bikes and trainers from an HSA/FSA account, which are not medical devices in the traditional sense.
If you use prescription eyewear, brands such as Smith, Roka, and Rudy Project also offer HSA/FSA-friendly programs. However, these programs vary from brand to brand. For example, Roka allows you to pay directly on its site using your HSA or FSA debit card, while Rudy Project provides an itemized receipt for you to submit to your HSA/FSA program for approval.
Recovery gear is also commonly available through various HSA/FSA marketplace sites. Things like foam rollers, compression socks, and even full compression boots can be purchased with HSA/FSA funds. Some brands even offer HSA/FSA-eligible cold plunges, saunas, and mattresses.
Like many employer-provided benefits, HSA/FSA accounts require some research to maximize. However, you might be pleasantly surprised by the long list of things open for purchase or reimbursement with FSA/HSA funds. Generally, if it helps keep you healthy and costs money, researching whether you can use pretax dollars to pay for it is worth exploring.
So, if you have some money left over in an account that doesn’t roll over into the next year and want to upgrade your HRM or indoor trainer setup for this winter, you can do it with your pre-tax dollars.
Test Editor Dan Chabanov got his start in cycling as a New York City bike messenger but quickly found his way into road and cyclocross racing, competing in professional cyclocross races from 2009 to 2019 and winning a Master’s National Championship title in 2018. Prior to joining Bicycling in 2021, Dan worked as part of the race organization for the Red Hook Crit, as a coach with EnduranceWERX, as well as a freelance writer and photographer.
