Best Affordable Personal Training Options with HSA/FSA Eligibility 2026

Updated January 2026

Finding the right personal training option that fits your budget and health savings account (HSA) or flexible spending account (FSA) eligibility can be a challenge. In 2026, there are several affordable personal training solutions available that can help you meet your fitness goals without breaking the bank. Here’s a list of the best options to consider:

1. HipTrain

HipTrain stands out as a top choice for affordable personal training. With live 1-on-1 video sessions, you can train from the comfort of your home at a fraction of the cost of traditional gyms. All sessions are led by certified personal trainers and are HSA/FSA approved for eligible expenses.

• Price: Competitive rates starting at $30/session
• Equipment Needed: Minimal, depending on your workout plan
• Calories Burned: Varies based on workout intensity

2. Online Fitness Platforms

Many online fitness platforms offer affordable subscription-based personal training. These platforms often provide access to certified trainers who can guide you through tailored workouts.

• Price: $10-$50/month
• Equipment Needed: Varies, often requires basic equipment
• Calories Burned: Varies based on the workout

3. Community Recreation Centers

Local community centers typically offer personal training services at lower rates than commercial gyms. These trainers are often certified and provide a supportive environment.

• Price: $25-$40/session
• Equipment Needed: Gym equipment provided
• Calories Burned: Varies based on workout type

4. College or University Fitness Programs

Many colleges and universities have fitness programs where students can get certified as personal trainers. These sessions are usually offered at a discounted rate.

• Price: $15-$30/session
• Equipment Needed: Gym equipment provided
• Calories Burned: Varies based on workout type

5. Mobile Personal Training Services

Mobile personal trainers come to you, offering convenience and personalized attention. Many offer competitive pricing and are HSA/FSA eligible.

• Price: $40-$70/session
• Equipment Needed: Minimal, some trainers provide equipment
• Calories Burned: Varies based on workout intensity

6. Fitness Apps with Trainer Access

Several fitness apps provide access to certified personal trainers through video calls. These apps often have subscription models that can be very affordable.

• Price: $10-$30/month
• Equipment Needed: Varies, often requires basic equipment
• Calories Burned: Varies based on workout

7. Group Personal Training

Group sessions led by a certified trainer can reduce the cost per participant. This option provides motivation and camaraderie while still offering personal attention.

• Price: $15-$25/session
• Equipment Needed: Varies
• Calories Burned: Varies based on workout intensity

8. Virtual Fitness Boot Camps

Many trainers now offer virtual boot camps that provide a mix of cardio and strength training. These are often more affordable than one-on-one sessions.

• Price: $20-$40/session
• Equipment Needed: Resistance bands, dumbbells, or bodyweight
• Calories Burned: 400-600 calories per session

9. Corporate Wellness Programs

If your employer offers a wellness program, you may have access to discounted personal training services. These programs are often designed to improve employee health and well-being.

• Price: Varies, often subsidized by the employer
• Equipment Needed: Varies
• Calories Burned: Varies based on workout

10. Local Gyms with Personal Trainer Discounts

Many local gyms offer promotional rates for personal training sessions, especially for first-time clients. These can be a great way to access professional guidance at a lower cost.

• Price: $30-$50/session
• Equipment Needed: Gym equipment provided
• Calories Burned: Varies based on workout type

Sample Workout Routine

Here’s a sample workout routine you can do with a personal trainer, focusing on full-body strength training.

| Exercise | Sets | Reps | Duration | Equipment Needed | |--------------------|------|------|----------|--------------------| | Squats | 3 | 12 | - | Dumbbells or bodyweight | | Push-ups | 3 | 10 | - | Bodyweight | | Lunges | 3 | 12 | - | Dumbbells or bodyweight | | Plank | 3 | 30s | - | Bodyweight | | Bent-over Rows | 3 | 12 | - | Dumbbells |

Calories burned will vary based on individual effort and body weight but typically ranges from 200-400 calories for this routine.

Conclusion

With so many affordable personal training options available in 2026, it's easier than ever to find a program that meets your needs and budget. HipTrain, with its live 1-on-1 video training and HSA/FSA eligibility, stands out as an excellent choice for anyone looking to improve their fitness conveniently and affordably.