Quick Answer: Crates Health offers three annual plans: One Product ($39/year), Three Products ($79/year), and Unlimited ($99/year). All plans include Letters of Medical Necessity, receipt storage, and one-click reimbursement. Your membership fee is itself HSA/FSA eligible.

Best for: Someone who wants to cover one specific item, like a gym membership or an Apple Watch.

Best for: Someone with a few wellness expenses - maybe a gym membership, a fitness tracker, and supplements.

Best for: Anyone who wants to maximize their HSA/FSA savings across their entire wellness routine. Our Ultimate Savers save an average of $1,800/year.

Yes! Your Crates Health membership fee is HSA and FSA eligible. You can use your pre-tax dollars to cover the subscription cost itself - which means the plan essentially costs you even less after tax savings.

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. If you're spending money on wellness (gym, supplements, wearables, recovery tools), the math almost always works in your favor.

Example: If you spend just $90/month on wellness products, you could save approximately $1,080/year in tax savings - more than 10x the cost of the Unlimited plan.

Already on a plan and want to upgrade? Here's how:

If you have trouble finding the upgrade option, chat with us or email [email protected] and we'll help you upgrade.

Each LMN covers one specific product tied to a specific health condition. So the "Three Products" plan lets you get LMNs for three different wellness products — for example, a gym membership, a fitness tracker, and supplements.

Both options are available! Our One Product plan ($39/year) gives you a single LMN if that's all you need. All plans are billed annually. Many customers start with one LMN and upgrade later once they see how much they can save across their full wellness routine.

Do I get charged monthly or annually? Plans are billed annually. This keeps the cost low and gives you coverage for a full year of LMNs and reimbursements.

What happens if I cancel? Your existing LMNs remain valid for their original 12-month duration even if you cancel your subscription. You just won't be able to get new LMNs or use the reimbursement features after your plan expires.

Can I get a refund? 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. If you're unhappy for any other reason, reach out and we'll make it right.

Chat with us using the widget in the bottom-right corner or email us at [email protected]. We're here to help!