Save on Your YMCA Membership with HSA/FSA

Did you know you may be eligible to use your HSA (Health Savings Account) or FSA (Flexible Spending Account) funds toward a YMCA Plus Membership? If you’ve been looking for an easier, more affordable way to prioritize your health your benefits might help make that possible.

At the YMCA, we believe health is a lifelong investment and we’re committed to helping our community Fit Together. Using your pre-tax HSA or FSA dollars is a smart way to support your fitness goals while saving money.

Step 1: Determine Eligibility
If you have an HSA or FSA through your health insurance you may be able to use those funds for your YMCA Membership. Typically approval requires a Letter of Medical Necessity which states that physical activity is recommended to support a medical condition or improve your overall health.

Step 2: Talk to Your Doctor (or Dr. B!)
To get started connect with your primary care physician to see whether your health history qualifies you for a Letter of Medical Necessity. Don’t have a primary care provider or looking for a quicker option? You can reach out to Dr. B, a medical telehealth organization that can help determine whether you qualify and provide the needed documentation.

Step 3: Submit for Reimbursement
Once approved submit your Letter of Medical Necessity and YMCA Membership receipts to your HSA or FSA plan administrator for reimbursement. It’s that simple.

Your YMCA Plus Membership gives you access to the programs, spaces and support you need to invest in whole-person wellness.

✓ Unlimited group exercise classes
From high-energy workouts to mind-body classes, it’s easy to Fit Together with a routine that works for you.

✓ Spaces and equipment designed to support you
Your membership supports a consistent, safe, welcoming place to stay active.

✓ Personalized wellness support
Options like personal training, wellness coaching and progressive programs help you reach health goals with expert guidance.

✓ Community that keeps you motivated
You’re not just joining a gym. You’re joining a community committed to moving, growing and getting stronger together.

Using your HSA or FSA benefits makes it even easier to stay committed to your health journey at the Y.


If you think you may qualify connect with your doctor or Dr. B to start the process. Your benefits are there to support your physical and mental well-being and your YMCA Plus Membership is a powerful tool to help you thrive.

Have questions? Our team is always here to help you navigate the process and get the most out of your Membership!