First published: August 2, 2021 / Last updated: January 24, 2026

Are Oura Rings HSA Eligible?

If you have a high-deductible health insurance plan (HDHP) or are considering getting one, you may be wondering if you can save money by paying for an Oura Ring with the pre-tax funds in your health savings account (HSA).

Here's the clear answer:

Yes, Oura Ring and the required Oura Membership are generally HSA and FSA eligible and reimbursable.

According to Oura, you can use your HSA or FSA card to pay directly at checkout, and purchases may also be submitted for reimbursement.

In some cases, your HSA or FSA provider may request additional documentation, such as a Letter of Medical Necessity (LMN), especially if your purchase is reviewed manually.

This same eligibility rule applies to flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs).

Oura Ring Eligibility Cheat Sheet

Why Is Oura Ring HSA Eligible?

Oura Ring is designed to provide continuous health monitoring using advanced biometric sensors. The device tracks clinically relevant data including sleep stages, heart rate, heart rate variability (HRV), respiratory rate, and body temperature.

These metrics can support:

• Sleep disorder diagnosis and management
• Cardiac health monitoring
• Respiratory condition tracking
• Illness detection and recovery monitoring
• Chronic condition management

Because of these medical applications, Oura classifies both the Oura Ring hardware and the required membership subscription as HSA and FSA eligible.

When Might a Letter of Medical Necessity (LMN) Be Required?

Although Oura Ring is generally HSA and FSA eligible, some administrators require additional documentation before approving reimbursement.

Your provider may request a Letter of Medical Necessity if:

• Your claim is manually reviewed
• Your purchase is flagged as a wellness device
• Your provider requires diagnosis-based justification
• You submit a reimbursement claim instead of paying directly

In these cases, your healthcare provider can supply an LMN stating that Oura Ring is medically necessary to diagnose, treat, or manage a specific health condition.

What Is a Letter of Medical Necessity (LMN)?

A Letter of Medical Necessity is a formal document written by your healthcare provider confirming that:

• You have a diagnosed medical condition
• Oura Ring supports diagnosis, treatment, or monitoring
• The device is part of your clinical care plan

This letter may be required for:

• HSA reimbursement
• FSA reimbursement
• HRA reimbursement

How to Buy Oura Ring Using Your HSA or FSA

1. Check with your HSA or FSA provider. Confirm coverage requirements.
2. Purchase Oura Ring. You may use your HSA or FSA card directly at checkout.
3. Keep your receipt. Save documentation in case reimbursement verification is required.
4. Submit documentation if requested. Some providers may ask for proof of eligibility or medical necessity.

Example Letter of Medical Necessity for Oura Ring

Which Oura Ring Models Are HSA Eligible?

All current Oura Ring models are generally HSA and FSA eligible.

Eligibility does not typically depend on:

• Ring generation
• Finish or material
• Price

Both the Oura Ring device and the required membership subscription are typically eligible expenses.

However, Oura states that only rings purchased in 2023 or later, and membership plans purchased after December 2023 are eligible for reimbursement.

Can You Buy Oura Ring Directly With Your HSA Card?

Yes, Oura accepts HSA and FSA cards at checkout for eligible purchases.

However, some administrators may still require documentation for reimbursement verification.

Best practice: Save your receipt and confirm eligibility requirements with your HSA or FSA provider before purchasing.

Oura Ring HSA Eligibility FAQs

Is Oura Ring FSA eligible?

Yes, Oura Ring and membership are generally FSA eligible.

Is Oura Ring HRA eligible?

Yes, HRAs follow similar IRS medical expense guidelines.

Is the Oura membership HSA eligible?

Yes, Oura states that the required subscription is also an eligible expense.

Are Oura Ring protection plans HSA eligible?

No, protection plans or extended warranties are not considered eligible expenses.

Will my HSA provider require a Letter of Medical Necessity?

Sometimes. While not always required, some administrators request additional documentation.

Sources

• Publication 502 - IRS
• Publication 969 - IRS
• H.R.748 (CARES Act) - U.S. Congress
• Oura Ring Is FSA And HSA Eligible

Disclaimer

This page is intended to be an educational reference only. Please check with your HSA administrator or health insurance provider to confirm if you can pay for an Apple Watch with your HSA card before making any purchases.