HSA & FSA Eligibility

Can I use my HSA or FSA on Old Bones Therapy products?

Many of our products may be eligible, if you qualify. Eligibility is not automatic, and it is not something we decide on our own. It depends on the condition you are treating and on the assessment of an independent licensed practitioner.

Look for the May Be HSA/FSA Eligible badge on a product page. Tapping it opens a short explainer for that product. The badge means the product is set up to go through the Truemed flow at checkout. It does not mean your purchase is guaranteed to qualify.

What we carry that may qualify

Knee and back braces, compression sleeves and socks, orthotic insoles, ice and heat therapy, kinesiology tape, topical pain relief, and joint care supplements. Whether a specific item qualifies for you depends on the condition you are treating.

How does it work?

We have partnered with Truemed so you can use a Health Savings Account (HSA) or Flexible Spending Account (FSA) on our site.

  1. Add products to your cart and check out as a guest, not with Shop Pay.
  2. Select Truemed as your payment option and enter your HSA or FSA debit card details.
  3. Complete a health survey about the condition you are treating.
  4. If you qualify, an independent licensed practitioner issues a Letter of Medical Necessity (LMN) and your order goes through.

If you do not have your HSA or FSA card handy, pay with any credit or debit card, then submit your receipt and LMN to your plan administrator for reimbursement.

What is Truemed?

Truemed partners with health and wellness brands so that qualified customers can use HSA and FSA funds on purchases that treat or prevent a medical condition. Truemed works with a network of independent licensed practitioners who can issue Letters of Medical Necessity to customers who qualify. The cost of Truemed's services is included in the purchase price.

What is a Letter of Medical Necessity?

A Letter of Medical Necessity, or LMN, is documentation from a licensed practitioner stating that a product treats or prevents a specific medical condition for you. It is the mechanism that makes a purchase a qualified medical expense rather than a general wellness purchase.

This matters more than most people expect. Without an LMN, items such as supplements and general fitness products are treated as wellness purchases and do not qualify under IRS rules. The health survey at checkout exists to produce that documentation.

How much can I save?

Because HSA and FSA funds are pre-tax, qualified customers save an average of 30%. What you actually save depends on your tax bracket and on your plan.

What are HSA and FSA accounts?

Health Savings Accounts and Flexible Spending Accounts are tax-advantaged accounts used to pay for qualified medical expenses. They are usually set up through your employer, so your HR department is the place to start if you are not sure whether you have one.

An HSA is typically paired with a high-deductible health plan, and the funds roll over indefinitely. An FSA is independent of your health plan, elections are usually made in October or November for the following year, and funds generally expire at the end of the plan year. Some plans allow a grace period or a limited carryover.

Contribution limits for 2026

For the 2026 tax year, the IRS limits are:

  • HSA, self-only coverage: $4,400
  • HSA, family coverage: $8,750
  • HSA catch-up contribution, age 55 and over: an additional $1,000
  • Health FSA salary reduction: $3,400
  • Health FSA carryover, where the plan allows it: up to $680

These figures change most years. IRS Publication 969 is the current source.

Still have questions?

Email us at help@oldbonestherapy.com and we will help you sort it out. For questions about your own eligibility or your plan's rules, your HSA or FSA administrator is the right place to ask.

Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.