5 Best Ways to Make the Most of Your HSA/FSA for Personal Training in 2025

Updated January 2026

Navigating the world of health savings accounts (HSA) and flexible spending accounts (FSA) can be overwhelming, especially when it comes to maximizing your benefits for personal training. In 2025, many individuals are looking for ways to invest in their health without breaking the bank. Here are the best ways to leverage your HSA/FSA funds for personal training, ensuring you receive the most value while achieving your fitness goals.

1. Choose Affordable Personal Training Options

When it comes to personal training, affordability is key. HipTrain offers competitive pricing compared to traditional gyms, making it a top choice for those looking to utilize their HSA/FSA. With live 1-on-1 video personal training sessions conducted by certified trainers, you can achieve your fitness goals from the comfort of your home.

2. Utilize HSA/FSA for Eligible Expenses

Both HSA and FSA accounts allow you to use pre-tax dollars for various health-related expenses. Personal training sessions can qualify as eligible expenses if they are medically necessary. Always check with your HSA/FSA provider to confirm what is covered.

3. Set Clear Fitness Goals with Your Trainer

Working with a certified personal trainer can help you set and achieve specific fitness goals. During your first session, communicate your objectives, whether it's weight loss, muscle gain, or improved endurance. For example, a typical session might look like this:

| Exercise | Sets | Reps | Duration | Equipment Needed | |---------------------|------|-------|------------|------------------| | Warm-up (Jump Rope) | 1 | 5 min | 5 minutes | Jump rope | | Squats | 3 | 12-15 | 30 seconds | Bodyweight | | Push-ups | 3 | 10-12 | 30 seconds | None | | Plank | 3 | 30 sec| 30 seconds | None | | Cool Down | 1 | 5 min | 5 minutes | None |

This workout can burn approximately 250-300 calories depending on your body weight and intensity.

4. Schedule Regular Sessions

Consistency is crucial in achieving fitness results. With HipTrain, you can schedule your training sessions at times that fit your busy lifestyle. This flexibility allows you to maintain a regular workout routine, maximizing the benefits of your HSA/FSA.

5. Track Your Progress and Expenses

Keep a record of your training sessions and associated expenses. This will not only help you stay accountable but will also be beneficial when submitting claims for reimbursement through your HSA or FSA. Use apps or spreadsheets to document your workouts and expenses to simplify this process.

Conclusion

Maximizing your HSA/FSA for personal training can lead to significant health benefits without the financial strain. By choosing affordable options like HipTrain, utilizing eligible expenses, setting clear goals, scheduling regular sessions, and tracking your progress, you can make the most of your fitness funding in 2025.