Use HSA Funds for Running Shoes at The Running Well Store
Kathy Gates
/
December 10, 2025
/
Use HSA Funds for Running Shoes at The Running Well Store
Many people wonder whether they can use HSA funds for running shoes, especially when foot or leg pain begins affecting daily life. Although HSAs are commonly linked to prescriptions and doctor visits, the truth is that these accounts can sometimes support footwear purchases when they relate to a medical condition. As a result, customers are increasingly searching for clear answers about what qualifies and where to shop with confidence. At The Running Well Store, we accept HSA cards in-store and help people choose footwear that supports comfort, alignment and long-term health.
What Qualifies When You Use HSA Funds for Running Shoes
Health Savings Accounts must be used for expenses that prevent, treat or manage a medical condition. Therefore, the IRS requires that all HSA spending serves a medical purpose. Standard medical items such as doctor visits, prescriptions, over-the-counter treatments and basic health supplies almost always qualify. Furthermore, these items rarely require extra documentation.
If you have any questions, here is the IRS guidance on eligible expenses:
https://www.irs.gov/publications/p502
In addition, both Fidelity and Optum Bank provide helpful explanations of qualified HSA categories:
https://www.fidelity.com/learning-center/smart-money/hsa-and-fsa-eligible-expenses
https://www.optumbank.com/support/qualified-expenses.html
However, not everything qualifies. Items used only for general fitness or personal wellness do not meet IRS criteria. Consequently, not every pair of running shoes will count as an eligible expense unless they are connected directly to a diagnosed condition.
IRS guidance on wellness exclusions:
https://www.irs.gov/individuals/frequently-asked-questions-about-medical-expenses-related-to-nutrition-wellness-and-general-health
When Using HSA Funds for Running Shoes Makes Sense
There is also a grey zone where footwear may qualify, particularly when it supports a diagnosed foot, leg or gait-related condition. For example, running shoes or orthotic products may qualify if they are used to treat:
- Plantar fasciitis
- Knee pain
- Flat feet
- High arches
- Over-pronation
- Under-pronation
- Achilles pain
- Neuropathy
- Balance or gait issues
- Weight-related joint pain recommended for treatment by a provider
Sources:
HSA Store eligibility list: https://hsastore.com/hsa-eligibility WithFlex overview: https://www.withflex.com/blog/how-to-use-your-hsa-fsa-to-pay-for-orthopedic-shoes
Furthermore, orthopedic-grade footwear may qualify when the medical need creates additional cost beyond a standard shoe.
Cone Health’s eligibility guide:
https://www.conehealth.com/app/files/public/9521f899-0bac-4123-ac8e-724b4b8ef1e2/2021%20Employee%20Benefits/HSA%20Eligible%20Expense%20List.pdf
Letter of Medical Necessity
If you plan to use HSA funds for running shoes for a medical reason, your HSA administrator may require a Letter of Medical Necessity (LMN). This document outlines why the footwear relates to your treatment plan. Consequently, your approval process may become much simpler once an LMN is on file.
More info on LMNs: https://hsastore.com/learn/medical-necessity-letter
How The Running Well Store Helps You Use HSA Funds for Running Shoes
Choosing the right footwear is essential when comfort, alignment and pain management are priorities. Because of this, The Running Well Store provides an expert fitting process that increases your chances of long-term relief and product eligibility. Additionally, our team understands medical footwear needs better than a typical shoe retailer.
We Accept HSA Cards In-Store
You can use your HSA card at any of our four Kansas City locations. Since online HSA transactions are not available, in-store shopping ensures that your purchase is handled correctly and without confusion.
Four Kansas City Locations
Our Fit Guarantee
We take time to understand your gait, arches, activity level and medical needs. As a result, our stores average only a 7 percent return rate compared to the industry’s 30 percent online average. Moreover, a proper fit saves money, reduces waste and protects your time.
Specialized Staff
Our team works daily with people managing plantar fasciitis, knee pain, shin splints and mobility concerns. Consequently, we can recommend shoes or inserts that best support your condition and your provider’s guidance. In addition, we continually evaluate new footwear technologies to improve comfort and performance for our customers.
Tips for Using HSA Funds for Running Shoes at TRWS
- Bring your HSA debit card to the store.
- Request a Letter of Medical Necessity if needed.
- Keep your itemized receipt in case your provider requests documentation.
- Discuss your symptoms with our fit experts so we can direct you to the right product.
- If uncertain about eligibility, consider paying normally and submitting for reimbursement later, depending on your plan.
Additionally, checking your HSA balance before visiting the store can streamline your purchase and avoid delays.
FAQ About Using HSA Funds for Running Shoes
Can I use HSA funds for running shoes?
Yes, sometimes. Shoes may qualify when used to treat a diagnosed medical condition. However, your administrator makes the final decision.
What is a Letter of Medical Necessity?
It is a document from your provider explaining why specific footwear, inserts or orthotics support your medical treatment plan.
Can I use my HSA online at The Running Well Store?
Not yet. Instead, all HSA purchases must be completed in-store.
What if I don’t have a medical condition?
In that case, shoes likely will not qualify. Even so, we still offer exceptional options for comfort and performance.
Recommended Footwear and Orthotics for HSA Use
Stability Shoes
Max Cushion Shoes
Orthotics and Insoles
Final Thoughts
Your HSA can be a powerful resource for improving comfort, mobility and long-term foot health. When you use HSA funds for running shoes that support a diagnosed condition, you may experience meaningful relief and better movement. Ultimately, footwear becomes part of your healthcare strategy rather than just another purchase. Therefore, visit any of our four Kansas City Running Well Store locations and let us help you find the right fit for your needs.
