Quick Answer: Yes! Your Crates Health membership fee is itself HSA and FSA eligible. You can use pre-tax dollars to cover the subscription cost, making it even more affordable.
Your Membership Is Eligible
Your Crates Health subscription ($39, $79, or $99/year depending on your plan) is a qualified medical expense. That means you can reimburse it from your HSA or FSA just like any other eligible purchase.
How to Reimburse Your Membership Fee
Pay for your Crates subscription with your regular credit or debit card
Save your itemized receipt (the email confirmation from Crates showing the amount, date, and service)
Submit a reimbursement claim to your HSA/FSA admin, including:
Your Crates itemized receipt showing the subscription fee
Your Letter of Medical Necessity (which covers the underlying wellness products)
Get reimbursed!
If your admin is one of our 8 supported admins (HealthEquity, Fidelity, Optum, HSA Bank, Bank of America, WEX, Navia, FSAFEDS), you can submit reimbursements directly through your Crates dashboard.
The Math Makes Sense
When you factor in the HSA/FSA tax savings on the subscription itself, Crates costs even less:
Plan | Price | After ~30% Tax Savings | Effective Cost |
One Product | $39/year | ~$12 savings | ~$27/year |
Three Products | $79/year | ~$24 savings | ~$55/year |
Unlimited | $99/year | ~$30 savings | ~$69/year |
And that's before counting the savings on the wellness products themselves, which can easily save you $500-1,800+ per year.
Can I Use My HSA/FSA Card Directly for Crates?
For most customers, the best approach is to pay with a regular credit card and reimburse — this ensures there are no issues with merchant category codes. Plus, you earn credit card rewards and can let your HSA funds continue to grow through compound interest before reimbursing.
Our Guarantee
If you don't save more than the cost of your subscription within 30 days of purchase, we'll give you a full refund — no questions asked. Between the subscription being HSA/FSA eligible and the savings on your wellness products, the ROI is clear.
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