UPDATE: Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are evolving, now covering a range of wellness devices that can enhance your health and lifestyle. This shift is transforming how employees perceive their benefits, according to Chris Byrd, senior vice president at WEX, a leading global commerce platform. “These accounts aren’t just for emergencies anymore,” Byrd emphasized.

As of now, many employees are unaware that their HSAs and FSAs can be used for various wellness technologies. Here are seven unexpected items that may qualify for coverage, making this an urgent opportunity for those looking to invest in their health.

1. **Massage Guns**: Devices like Therabody’s Theraguns can be purchased with HSA or FSA funds, starting at $200. The brand Caring Mill also offers heated massage guns in a two-pack that might be eligible.

2. **Oura Ring**: The popular Oura Ring, hailed as CNET’s favorite smart ring, is now eligible for purchase through HSA or FSA accounts. Users can order directly or seek reimbursement later.

3. **Whoop Wearable**: The best-in-class sleep tracker, Whoop 5.0, is also covered. It includes a SuperKnit band, a 12-month membership, and a lifetime warranty, making it a valuable health investment.

4. **Smart Blood Pressure Monitors**: Devices like the Garmin Index BPM Smart Blood Pressure Monitor, priced at $200, and the more affordable OMRON Evolv for $76, can facilitate health monitoring right from your smartphone.

5. **Chest Strap Heart Rate Monitors**: The Garmin HRM-Pro Plus is eligible and provides real-time heart rate data, perfect for fitness enthusiasts. Alternatively, the Garmin Heart Rate Monitor 200 is available for $50 less.

6. **Light Therapy Devices**: Red light therapy LED masks and panels could also qualify for reimbursement, potentially enhancing skincare routines and overall wellness.

7. **Compression Boots**: The Therabody JetBoots, which offer benefits like reduced muscle pain and increased blood flow, are priced at $600 and $1,200, depending on the model.

Byrd warns that eligibility for these items often depends on medical necessity. “If the item is for general health or cosmetic reasons, it’s typically not covered,” he explained. A letter of medical necessity from a healthcare provider may be required for many of these devices.

It’s crucial for consumers to verify item eligibility through their HSA provider’s online dashboard or app to avoid unexpected costs.

For those unfamiliar with the differences, Byrd explains that HSAs are individually owned accounts that remain with users even if they change jobs, while FSAs are tied to employers and often have a “use-it-or-lose-it” policy at the year’s end. Additionally, HSA funds can be invested, potentially growing tax-free for future healthcare expenses.

This development presents a significant opportunity for many individuals to invest in their health using funds that they may have previously thought were limited. Don’t miss out on this chance to enhance your wellness routine with devices that might now be more accessible than ever.

Act now to ensure your purchases are covered and maximize the benefits of your HSA or FSA—your health is worth it!