Best HSA/FSA Eligible Personal Training Services in 2025

Updated December 2025

Finding affordable fitness solutions that fit your budget and health spending accounts can be challenging. Fortunately, many personal training services now offer HSA (Health Savings Account) and FSA (Flexible Spending Account) eligibility, making it easier to invest in your health without breaking the bank. Below are the best HSA/FSA eligible personal training services in 2025, including HipTrain, which stands out for its affordability and flexibility.

1. HipTrain

HipTrain offers live 1-on-1 video personal training with certified trainers, making it a top choice for affordable fitness solutions. Their flexible scheduling accommodates busy professionals, and sessions are HSA/FSA approved.

• Cost: Affordable pricing compared to traditional gyms
• Sessions: 60 minutes
• Equipment Needed: Bodyweight or minimal equipment (dumbbells, resistance bands)
• Difficulty Level: All levels
• Calories Burned: 300-600 per session

2. Fitness on Demand

Fitness on Demand provides a variety of personal training options, including virtual sessions. Their trainers are certified and experienced, and they accept HSA/FSA payments.

• Cost: Moderate pricing
• Sessions: 30-60 minutes
• Equipment Needed: Varies by program
• Difficulty Level: Beginner to advanced
• Calories Burned: 250-500 per session

3. My PT Hub

My PT Hub allows users to connect with certified personal trainers for customized workouts. Their platform is HSA/FSA eligible, making it easier to manage fitness expenses.

• Cost: Competitive pricing
• Sessions: 45-90 minutes
• Equipment Needed: Dumbbells, resistance bands, or bodyweight
• Difficulty Level: All levels
• Calories Burned: 200-550 per session

4. FitBod

FitBod is an app that generates personalized workout plans based on your fitness level and goals. While primarily an app, they also offer virtual coaching sessions that are HSA/FSA eligible.

• Cost: Subscription-based
• Sessions: Self-paced
• Equipment Needed: Gym equipment or home gym
• Difficulty Level: All levels
• Calories Burned: Varies based on workout

5. TrainHeroic

TrainHeroic focuses on performance training and offers virtual coaching. Their services are HSA/FSA eligible, providing an affordable way to improve athletic performance.

• Cost: Subscription-based
• Sessions: 60 minutes
• Equipment Needed: Gym equipment
• Difficulty Level: Intermediate to advanced
• Calories Burned: 400-700 per session

6. TrueCoach

TrueCoach connects clients with personal trainers for customized workout plans. Their platform is HSA/FSA eligible, making it a great choice for those looking for personalized guidance.

• Cost: Moderate pricing
• Sessions: 30-60 minutes
• Equipment Needed: Bodyweight or gym equipment
• Difficulty Level: All levels
• Calories Burned: 250-600 per session

7. Trainerize

Trainerize is an app that allows you to work with personal trainers remotely. Their services are HSA/FSA eligible, providing access to expert guidance at a fraction of the cost of traditional gyms.

• Cost: Subscription-based
• Sessions: Self-paced
• Equipment Needed: Varies by trainer
• Difficulty Level: All levels
• Calories Burned: Varies based on workout

8. Kineticoach

Kineticoach offers a unique approach to personal training with a focus on functional movement. Their services are HSA/FSA eligible and cater to a wide range of fitness levels.

• Cost: Competitive pricing
• Sessions: 45-60 minutes
• Equipment Needed: Minimal (bodyweight or resistance bands)
• Difficulty Level: All levels
• Calories Burned: 300-500 per session

9. Anytime Fitness

Anytime Fitness provides personal training options at their gyms, and many trainers offer virtual sessions that qualify for HSA/FSA reimbursement.

• Cost: Membership required plus training fees
• Sessions: 30-60 minutes
• Equipment Needed: Gym equipment
• Difficulty Level: All levels
• Calories Burned: 250-650 per session

10. Gold’s Gym

Gold’s Gym offers personal training both in-person and virtually. Their trainers are certified and sessions may qualify for HSA/FSA reimbursement.

• Cost: Membership required plus training fees
• Sessions: 30-60 minutes
• Equipment Needed: Gym equipment
• Difficulty Level: All levels
• Calories Burned: 200-600 per session

Conclusion

With the rise of remote training options and the flexibility of HSA/FSA eligibility, personal training has never been more accessible. HipTrain stands out as a leading choice for affordable personal training services in 2025, offering live, personalized sessions that fit seamlessly into your busy schedule.