You can take full advantage of your pre-tax dollars to support your health journey with Oura.
Oura Ring and Membership are covered and reimbursable via Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA).*
You can also use your FSA or HSA card to pay for your eligible online order.
How Can I Get Oura Ring & Membership Covered by FSA/HSA?
First, check with your FSA or HSA provider to ensure your purchase meets their requirements. In some cases, your provider requires additional documentation for reimbursement.
There are two ways to get your Oura Ring and Membership covered with FSA or HSA funds.
1. Purchase with available FSA/HSA funds.
If your FSA or HSA is affiliated with a major card network, we can accept FSA or HSA funds for the following:
- Oura Ring
- Extra chargers
- Shipping, including expedited shipping
- Taxes
- Oura Membership
You can place an order online, using your FSA or HSA card as you would any other credit card. Select the Sika option when selecting a payment method during the checkout process. Learn more here.
2. Submit eligible receipts to your FSA/HSA provider.
To submit a recent Oura Ring purchase for reimbursement from your FSA/HSA, click here to learn how.
To download an annualized membership receipt for reimbursement, follow these steps:
- Log in on the Membership Hub homepage.
- Click “View billing history.”
- Change the tab on the top right corner to “Yearly” and select the years you want to download the report for.
- Click “Download Annualized Receipt.”
What are the Benefits of Getting Oura Ring Through FSA/HSA?
The biggest benefit is that you can use pre-tax dollars to buy Oura Ring—meaning you’ll spend less out of pocket while gaining access to daily health insights that support sleep, stress, and long-term wellness. This inclusion of Oura Ring in FSA and HSA coverage is a game-changer. Key benefits of getting Oura Ring through FSA/HSA:
- Save on cost: When you utilize FSA or HSA funds, you’re using your pre-tax dollars to buy your Oura Ring. Reimbursements from these funds are tax-free, which means that you’re converting some of your salary into tax-free income.
- Use it or lose it!: When you enroll in an FSA, the IRS requires you to spend any contributions in your account by an annual deadline. Otherwise, the money is forfeited. Due to this, more than 40% of FSA account holders forfeit a portion of their contributions.
- Eligible for dependents: HSA and FSA funds can typically be used for the account holder and their dependents, which means Oura can support health for the whole family.
- Track multiple areas of health in one tool: Oura started as a sleep wearable but now tracks 50+ health and wellness metrics from sleep, activity, and recovery, to stress, heart health, and women’s health—all covered under FSA/HSA funds.
- Support everyday decisions: Beyond long-term prevention, Oura provides daily insights—like how alcohol affects your resting heart rate or when you should start winding down for sleep—that you can act on immediately.
- Invest in your long-term health: Preventive tools like Oura can help you spot trends early and build healthier habits, which may reduce your risk of developing conditions that often lead to costly medical interventions.
READ MORE: What Makes the Oura Ring Different?
The Power of Preventive Healthcare: How Oura Supports Your Healthspan
Preventive healthcare means taking steps to reduce your risk of disease before problems arise and protecting your long-term health so you feel strong, capable, and well as you age—increasing your “healthspan.”
Oura supports preventive health by giving you daily insights into key signals like sleep, activity, heart rate, and recovery. With this data, Oura helps you spot patterns early and make small, meaningful adjustments that support your health today and for years to come.
READ MORE: How Oura Data Supported These Members in Noticing Critical Health Changes
It All Starts with Sleep
Oura began as a sleep wearable designed to help people understand and improve their nightly rest. While it has since evolved into a comprehensive health tracker—continually collecting data on 50+ health and wellness metrics—sleep remains the foundation. That’s because high-quality sleep is one of the most powerful tools for preventing long-term illness and extending healthspan.
According to the CDC, 1 in 3 adults in the US don’t get enough sleep, and chronic sleep deprivation raises the risk of diabetes, heart disease, stroke, dementia, and even cancer. Healthcare providers are increasingly recognizing sleep as a cornerstone of preventive healthcare. “People dramatically underestimate how much sleep is linked to all the diseases killing us,” says sleep scientist Matthew Walker, Ph.D., author of Why We Sleep. “Sleep is the Swiss army knife of health. When sleep is deficient, there is sickness and disease.”
Research—including many studies done using Oura Ring—shows that better sleep supports mental, reproductive, metabolic, and cardiovascular health. In other words, by prioritizing sleep and tracking it with tools like Oura, you’re not just improving your nights—you’re protecting your long-term health.
LEARN MORE: The Ultimate Guide to Improving Your Sleep With Oura
FAQs: Using HSA and FSA Funds with Oura
Can I use my HSA or FSA to buy an Oura Ring?
Yes. In the US, you can use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to pay for eligible Oura products, including the Oura Ring, Oura Membership, extra chargers, shipping, and taxes.
Does Oura Ring qualify for FSA or HSA reimbursement?
Yes. Most Oura Ring purchases are considered eligible healthcare expenses. You can pay directly with your HSA/FSA card at checkout or submit a reimbursement claim to your provider with your receipt.
How do I pay for an Oura Ring with my HSA or FSA card?
At checkout, select your HSA or FSA card just like a regular credit or debit card. Make sure your account balance can cover the full order, including shipping and taxes.
What if my HSA or FSA card doesn’t work at checkout?
If your card is declined, you can pay with another method (credit card or PayPal) and then submit the receipt to your HSA or FSA provider for reimbursement.
How do I get reimbursed for my Oura Membership?
You can either add your HSA or FSA card as the payment method in the Membership Hub, or pay with another card and download invoices to submit to your provider. Annualized receipts can also be downloaded directly from the Membership Hub.
What Oura products are NOT eligible for HSA/FSA funds?
Extended Protection Plans (two-year or three-year coverage) are not eligible. All other Oura products in the online store, including the ring, membership, chargers, and shipping, typically qualify.
Do I need a letter of medical necessity to buy Oura with FSA or HSA?
Most providers don’t require it, but some may. If needed, a healthcare professional can provide a letter explaining how Oura supports your health.
Can I buy an Oura Ring as a gift using my HSA/FSA funds?
No. By law, HSA and FSA funds can only be used for the account holder or eligible dependents, not for gifts.
What happens if I return a product bought with my HSA/FSA card?
Refunds must go back to the same HSA or FSA account. If your account is closed or inactive, the refund may not be processed.
What if I don’t use all of my FSA money before the deadline?
FSA contributions are “use it or lose it.” If you don’t spend them before your plan’s deadline, you forfeit the money. Many people choose to spend leftover FSA dollars on Oura before year-end.
*Notes: Only Oura Ring purchases in 2023 and beyond are potentially eligible for reimbursement. As of December 2023, Oura Membership is eligible as well. Reimbursement is subject to rules and restrictions of your specific provider, and not all Oura members will qualify. You must currently have your Oura Ring in order to submit for reimbursement. For the most up-to-date information, please visit the Support Center.