Use Your HSA or FSA to Pay for 10X Health

10X Health has partnered with Flex to allow you to use your Health Savings Account (HSA) or Flexible Spending Account (FSA). This means you can now use your HSA or FSA debit card to buy qualifying 10X Health products with pre-tax dollars that you put into those accounts (up to certain limits established by the IRS), resulting in net savings of 30-40%. Savings amounts depend on your federal and state income tax brackets, which is determined by your annual taxable income

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are special tax-free accounts you can use to pay for qualified medical expenses, up to limits set by the IRS. These accounts are usually managed by an administrator and are often available through your employer.

An HSA is linked to a high-deductible health plan, and your balance stays with you — the funds never expire. An FSA is separate from your insurance plan, and you choose how much to contribute each year during your employer’s open enrollment period (usually in the fall). Unlike HSAs, FSA funds generally must be used by the end of the year or they’ll expire. Contact support@withflex.com for more information.

To use your HSA or FSA debit card, add products to your cart as usual. At checkout, select “Flex | Pay with HSA/FSA” as your payment option. You will then be redirected to the Flex website. At that point, you will take a brief health survey to answer questions about your HSA/FSA and your health and complete checkout through Flex with your HSA/FSA card. If necessary and if you are eligible, you will receive a letter of medical necessity, based on your responses if you qualify. If you don’t see “Flex | Pay with HSA/FSA,” you may be in Shop Pay. Select “checkout as guest” to view more payment options.

If you don’t have your HSA or FSA card handy, still select “Flex | Pay with HSA/FSA” as your payment method. Enter your credit card information and Flex will email you an itemized receipt to submit for reimbursement if you qualify.
Reimbursement is determined by the HSA/FSA administrator and is not guaranteed. Customers are directly responsible for any incurred return fees, which are not eligible for HSA/FSA funding or reimbursement.

HSA/FSA cards are debit cards, and the most common reason for declines is insufficient funds. Reach out to your HSA/FSA administrator to confirm your balance.

Please forward us the request from your FSA, and we will work with the Flex team to issue you a new receipt.

Please check your spam folder, as sometimes emails from notifications@withflex.com may be automatically filtered as spam by some email service providers. If you still can’t find it, please email support@withflex.com and let them know the email address associated with your order.

No, unfortunately, this isn’t a supported feature right now. If there are insufficient funds in a single HSA or FSA account, you can instead enter a credit card on the Flex checkout page. You will receive an itemized receipt and/or Letter of Medical Necessity from Flex, which you can submit for reimbursement.

Thanks for reaching out, and apologies for the discrepancy. We’ll review the charges and get back to you with details of the likely refund shortly.

Sales tax for eligible items is also covered by HSA/FSA funds. If the customer has a split cart, the tax will be divided among the cards based on the items.

No. You cannot apply your HSA/FSA funds to a past purchase. Please contact your HSA/FSA administrator directly to learn more about your eligibility.

No. While Flex is a convenient option for using HSA or FSA funds when purchasing online, it’s not the only way to do so. If you’re working with your 10X Wellness Advisor, you can often use your HSA or FSA card directly through them.