Pay with HSA/FSA and save with 
Save an average of 30% when you pay with pre-tax HSA/FSA funds. There are no additional costs. HSA/FSA payments are powered by Truemed and available through Shop at checkout. U.S. customers only.
Three steps
How to pay with HSA/FSA
01. Select HSA/FSA at checkout.
At checkout, select the HSA/FSA payment option. You must be logged in to Shop to use this option. You can pay with an HSA/FSA benefits card or a personal card.
02. Complete health survey and pay.
If required, you'll complete a brief health survey to confirm your purchase eligibility.
03. Receive a Letter of Medical Necessity.
A licensed provider will review your answers. If you qualify, you'll receive an LMN to support your HSA/FSA documentation. If you don't qualify, your card won't be charged.
How does this save me money?
HSA and FSA accounts hold money that comes out of your paycheck before income tax. The IRS lets you spend it on products and services that treat, mitigate or prevent a medical condition. With a Letter of Medical Necessity from a licensed provider, exercise equipment counts.
So instead of earning a dollar, paying tax on it and spending what's left, you spend the whole dollar. For most people that works out to a saving of 20 to 40%, depending on federal, state and payroll taxes. The example shows $100 of wages at a 30% effective rate.
Spending from
Bank account
Spending from
HSA or FSA
Illustration at a 30% combined tax rate. Your saving depends on your bracket.
Exercise is medicine
Why rucking gear qualifies
It is weight-bearing exercise.
Load on your back makes your bones and the muscles around your spine work harder. That is the kind of activity clinicians recommend for bone density, posture and back health.
It burns more than a walk.
Up to 2.5x the calories of walking at the same pace, with none of the impact of running. For weight management, blood pressure and blood sugar, it is a workout most people can repeat every day. Run your numbers.
A provider signs off.
The IRS allows exercise equipment as a medical expense when a licensed provider confirms it treats or prevents a condition. Truemed's survey and Letter of Medical Necessity are what make the purchase compliant.
Who is Truemed?
Truemed works with licensed providers to make exercise and wellness purchases HSA/FSA eligible. They run the health survey, issue the Letter of Medical Necessity and handle compliance. HSA/FSA payments at Ruckercise are powered by Truemed and offered through Shop at checkout, with no additional cost to you.
HSA / FSA eligible
Eligible products
The HSA/FSA payment option appears at checkout when you're logged in to Shop and every item in your cart is eligible. Reflective Bands and the Phone Holder are not eligible; order them separately.
COMMON QUESTIONS
Health Savings Accounts and Flexible Spending Accounts are IRS-regulated accounts that let you set aside pre-tax dollars for eligible healthcare expenses. Not sure if you have one? Ask your employer or insurance provider.
Typically 20 to 40%, depending on your federal, state and payroll tax rates. For 2026, individuals can contribute up to $4,400 to an HSA ($8,750 for a family) and up to $3,400 to an FSA. Check current IRS limits.
The Ridge Rucking Backpack, Ruck Weights, the Hip Belt, the Complete Rucking Bundle and the Essentials Rucking Bundle. Reflective Bands and the Phone Holder are not eligible.
Yes. Select the HSA/FSA payment option at checkout and pay with either an HSA/FSA benefits card or a personal card. If you qualify, you’ll receive a Letter of Medical Necessity to support reimbursement from your HSA or FSA administrator.
Yes. The HSA/FSA payment option is offered through Shop, so you must be logged in to Shop at checkout to see it.
A document from a licensed provider confirming that a product is being used to treat or prevent a specific medical condition. With it, your purchase qualifies as a medical expense under IRS guidelines. Truemed issues it after reviewing your survey.
No. There are no additional costs to pay with HSA/FSA.
Usually within 24 to 48 hours. Check your spam folder if you don’t see it, then contact support@truemed.com.
Any time, but FSA balances usually expire on December 31 and may not roll over. HSA balances carry forward.
No. Truemed reimbursement is limited to U.S. customers with HSA or FSA accounts.
Either you aren’t logged in to Shop, or your cart has a non-eligible item. Log in to Shop and remove any non-eligible items and the option will appear.
No questions match your search.