Can I use a Lifestyle Spending Account (LSA) for personal training? (Updated for 2025)

Are you wondering if personal training is covered under your Lifestyle Spending Account (LSA)?

In 2025, more and more employers are offering LSAs as part of their benefits package to support employee well-being.

But what exactly is an LSA, and how can you use it to reach your fitness goals?

What is a Lifestyle Spending Account (LSA)?

A Lifestyle Spending Account is a flexible benefit that employers fund to support various aspects of employee well-being. Unlike traditional benefits like health insurance, which have strict guidelines on what's covered, LSAs allow you to choose how to allocate the funds based on your unique needs and preferences.

Your employer sets the amount they contribute to your LSA and determines the categories of eligible expenses. These often include areas like physical fitness, mental health, financial wellness, and professional development. You then get to decide which specific products, services, or activities to spend the money on within those categories.

For example, your LSA might cover gym memberships, fitness classes, wellness apps, therapy sessions, financial planning services, educational courses, and more. The flexibility of LSAs empowers you to invest in the aspects of well-being that matter most to you, rather than being limited to a one-size-fits-all approach.

How do Lifestyle Spending Accounts work?

Your employer allocates a set amount of funds to your LSA each year, which you can then use to pay for eligible expenses. The specific contribution amount and categories of covered items vary by company, but typically include wellness-related costs like gym memberships, personal training sessions, fitness equipment, and health apps.

To access your LSA funds, you'll either submit receipts for reimbursement or use a dedicated LSA debit card to pay for approved purchases directly. This streamlined process eliminates the need for complex paperwork or waiting periods.

Keep in mind that unlike some other employee benefits, LSA funds are considered taxable income. This means the amount your employer contributes will be reported on your W-2 and subject to income and payroll taxes. However, the added flexibility and personalization of LSAs often outweigh this tax implication for many employees.

Is personal training covered under Lifestyle Spending Accounts?

Yes, personal training is a common expense covered by many Lifestyle Spending Accounts. As employers recognize the value of supporting physical fitness for overall employee well-being, they're increasingly including costs like one-on-one training sessions, small group classes, and virtual coaching in their LSA eligible expense categories.

This means you can use your LSA funds to work with a certified personal trainer who can help you set and achieve individualized fitness goals. Whether you're looking to build strength, improve cardiovascular health, lose weight, or simply establish a consistent exercise routine, personal training can provide the guidance, accountability, and motivation you need to succeed.

When selecting a personal trainer, look for someone with relevant certifications from reputable organizations like the American Council on Exercise (ACE), National Academy of Sports Medicine (NASM), or National Strength and Conditioning Association (NSCA). You can also ask about their experience working with clients who have similar goals or challenges to yours.

Before using your LSA for personal training, review your employer's specific guidelines on eligible expenses and any documentation requirements for reimbursement. Some companies may have pre-approved providers or require a minimum number of sessions to qualify for coverage.

What other fitness expenses can I use my LSA for?

In addition to personal training, your Lifestyle Spending Account may cover a wide range of other fitness-related expenses. These could include:

• Gym memberships and initiation fees
• Fitness studio classes (yoga, Pilates, cycling, etc.)
• At-home workout equipment (weights, resistance bands, exercise mats)
• Online fitness subscriptions and streaming services
• Wearable fitness trackers (Fitbit, Apple Watch, Garmin)
• Sports league fees and tournament entry costs
• Wellness retreats and fitness-focused travel

The specific eligible expenses will depend on your employer's LSA plan, so be sure to review the guidelines carefully. Some companies may exclude certain high-cost items like home gym equipment or have maximum allowances for specific categories.

If you're unsure whether a particular fitness expense is covered, ask your HR representative or benefits administrator for clarification. They can help you understand your LSA's parameters and make the most of this valuable employee benefit.

Can personal training expenses be covered under an LSA?

Yes, personal training is often an eligible expense under the physical wellness category of Lifestyle Spending Accounts. This means you can use your LSA funds to invest in one-on-one coaching, small group classes, or virtual training programs that help you reach your fitness goals.

Many employers recognize the value of supporting employees' physical health and include personal training in their LSA offerings. This allows you to work with a certified fitness professional who can create a customized plan based on your current fitness level, objectives, and any limitations or injuries.

Personal trainers provide guidance on proper form, technique, and progression to help you exercise safely and effectively. They can also offer accountability, motivation, and support to keep you on track with your workouts and lifestyle habits.

Examples of personal training expenses covered by LSAs

Specific personal training expenses that may be eligible for reimbursement through your LSA include:

One-on-one sessions with a certified personal trainer: You can use your LSA funds to work with a qualified trainer either in-person at a gym or fitness studio, or virtually through live video sessions. Look for trainers with certifications from nationally recognized organizations like ACE, NASM, or NSCA.

Small group training classes: Some LSAs cover the cost of participating in small group personal training sessions, where you work with a trainer alongside a few other clients. This can be a more affordable option than one-on-one training while still receiving personalized attention and instruction.

Online fitness coaching: With the growth of digital fitness platforms, many LSAs now reimburse for online personal training programs. These may include custom workout plans, video form checks, nutrition guidance, and regular check-ins with your remote coach through an app or website.

To ensure your personal training expenses are eligible for reimbursement, review your employer's LSA guidelines and approved categories. Some companies may have specific requirements around the qualifications of the trainer, the length of the program, or the maximum amount you can claim for this type of expense.

If you have questions about using your LSA for personal training, reach out to your HR or benefits team for clarification. They can help you understand the process for submitting expenses and getting the most value from this employee benefit.

What are the benefits of using an LSA for personal training?

Using your Lifestyle Spending Account (LSA) for personal training offers numerous advantages for your physical health, fitness journey, and overall well-being.

When you invest in sessions with a qualified trainer, you gain access to personalized guidance and support that can help you achieve your goals more effectively than working out alone.

Promotes physical health and well-being

Personal training through your LSA promotes physical health and well-being by providing you with expert guidance on exercise form, technique, and progression. A certified trainer can design a program that targets your specific needs and goals, whether you're looking to build strength, improve cardiovascular fitness, or manage a chronic condition.

With regular sessions, you'll learn proper movement patterns and reduce your risk of injury during workouts. Your trainer can also provide valuable insights on recovery strategies, such as stretching and foam rolling, to help you maintain optimal physical function and avoid setbacks.

Encourages regular exercise and a healthy lifestyle

Investing in personal training through your LSA encourages you to prioritize regular exercise and adopt a healthy lifestyle. When you have scheduled sessions with a trainer, you're more likely to show up consistently and give your best effort.

Your trainer can help you establish a routine that fits your schedule and preferences, making it easier to stick with your fitness plan long-term. They can also provide accountability and motivation to keep you engaged and progressing toward your goals.

In addition to your workouts, a personal trainer can offer guidance on other aspects of a healthy lifestyle, such as nutrition, stress management, and sleep habits. By taking a holistic approach to wellness, you can create sustainable changes that support your overall health and vitality.

Helps employees reach their fitness goals

Using your LSA for personal training helps you reach your specific fitness goals more efficiently and effectively. Whether you're aiming to lose weight, build muscle, improve athletic performance, or increase your energy levels, a qualified trainer can create a customized plan to get you there.

Your trainer will assess your current fitness level, discuss your objectives, and develop a progressive program that challenges you appropriately. They'll monitor your form and technique during sessions, provide feedback and corrections, and adjust your plan as needed to ensure you're making consistent progress.

With the personalized attention and expertise of a trainer, you can overcome plateaus, push past mental barriers, and achieve results you may not have thought possible on your own.

Reduces financial barriers to accessing professional guidance

By covering the cost of personal training, your LSA reduces financial barriers to accessing professional guidance. Quality training services can be expensive, deterring some individuals from seeking the support they need to reach their fitness goals.

However, when you can use your LSA funds to pay for sessions, you're more likely to invest in the expertise of a qualified trainer. This makes personalized fitness guidance more accessible and affordable, allowing you to prioritize your health and well-being without straining your personal budget.

As you take advantage of this valuable employee benefit, you'll gain the knowledge, skills, and confidence to maintain an active lifestyle and continue making progress long after your LSA sessions end.

Boosts employee satisfaction and retention

Offering personal training coverage through an LSA boosts employee satisfaction and retention by demonstrating your employer's commitment to your overall well-being. When you feel supported in your health and fitness journey, you're more likely to be engaged and productive at work.

The flexibility and personalization of an LSA allows you to choose the type of training that best fits your needs and interests, leading to a more positive experience and better results. As you achieve your fitness goals and improve your physical health, you'll feel a greater sense of accomplishment and appreciation for your employer's investment in your well-being.

This increased job satisfaction can lead to higher retention rates, as employees who feel valued and supported are more likely to stay with their company long-term. By prioritizing employee wellness through benefits like LSA-covered personal training, organizations can create a culture of health and loyalty that benefits everyone involved.

How to use your LSA for personal training

To make the most of your LSA for personal training, start by reviewing your company's policy to confirm eligibility and understand any specific requirements or limitations. Some employers may have pre-approved providers, maximum allowances, or documentation guidelines you'll need to follow.

Once you've confirmed that personal training is covered under your LSA, choose a qualified trainer or fitness program that aligns with your goals and preferences. Look for professionals with certifications from reputable organizations and experience working with clients like you. Consider factors like location, scheduling flexibility, and training style when making your decision.

When it's time to pay for your personal training sessions, you have two main options: submitting receipts for reimbursement or using your LSA debit card. If your employer provides an LSA debit card, you can use it to pay for eligible expenses directly, streamlining the process. Otherwise, you'll need to pay out of pocket and submit detailed receipts or invoices to your HR or benefits team for reimbursement.

As you participate in personal training through your LSA, be sure to track your expenses and stay within your available balance. Keep in mind that LSA funds typically don't roll over from year to year, so it's important to use them before they expire. If you have questions about your specific LSA policy or reimbursement process, reach out to your HR representative for guidance.

Lifestyle Spending Accounts offer a valuable opportunity to invest in your physical health and well-being through personalized fitness support. By taking advantage of this benefit for personal training, you can work towards your goals with expert guidance and make lasting improvements to your overall health and vitality.

Are there any limitations on personal training expenses under an LSA?

While personal training is a common expense covered by Lifestyle Spending Accounts, there may be some limitations to keep in mind. These restrictions vary by employer and the specific parameters of their LSA program.

One potential limitation is a cap on the amount you can use for fitness-related expenses like personal training. Your employer may set a maximum dollar amount or percentage of your total LSA funds that can be allocated to this category. For example, if your company provides a $1,000 annual LSA, they might stipulate that no more than $500 can be used for personal training and other fitness costs.

Some LSA programs might also require pre-approval for personal training expenses. This means you may need to submit a request to your HR or benefits team before starting sessions with a trainer. They'll review the details of your proposed training plan, including the provider, session frequency, and total cost, to ensure it aligns with the company's LSA guidelines.

It's also important to note that luxury or premium personal training services may not be eligible for reimbursement under an LSA. For instance, if you want to work with a high-end trainer who charges significantly above market rates or offers exclusive amenities, your employer might deem those expenses ineligible. Similarly, extras like massage therapy, nutrition coaching, or spa treatments that sometimes accompany personal training packages could be excluded.

To understand the specific limitations of your LSA, carefully review your employer's policy documents or reach out to your HR representative for clarification. They can provide guidance on approved expenses, spending caps, and any pre-approval requirements you need to follow.

If you find that your desired personal training expenses exceed your LSA's limitations, you may need to cover the additional costs out of pocket. However, even with some restrictions, using your LSA for personal training can still significantly offset the financial burden and make professional fitness guidance more accessible.

As you explore personal training options, look for providers and programs that fit within your LSA's parameters. Consider factors like session rates, package pricing, and included amenities to ensure you're making the most of your available funds. With some research and planning, you can find a training solution that supports your fitness goals while maximizing the value of this employee benefit.

Tips for maximizing your LSA for personal training

To get the most value from your Lifestyle Spending Account (LSA) for personal training, consider these strategies:

Communicate with your HR team to understand your LSA policy

Reach out to your HR or benefits representative to clarify any questions about your company's LSA program. They can provide details on eligible expenses, spending limits, and reimbursement processes specific to personal training. Understanding these guidelines upfront will help you make informed decisions and avoid any surprises down the line.

Research and compare personal training options to find the best value

Take time to explore different personal training providers and programs in your area or online. Compare factors like trainer qualifications, session rates, package deals, and client reviews to find the best fit for your needs and budget. Don't hesitate to ask about discounts or promotions that could help you stretch your LSA funds further.

Combine personal training with other eligible wellness expenses like gym memberships or fitness gear

Maximize your LSA by using it for a variety of wellness expenses that support your personal training goals. For example, you might use part of your funds to purchase a gym membership, giving you access to equipment and facilities for your workouts between trainer sessions. Or, invest in home fitness gear like resistance bands, dumbbells, or a stability ball to supplement your training and maintain progress.

Plan ahead to ensure you use your full LSA contribution each year

Keep track of your LSA balance and deadlines throughout the year to ensure you're making the most of this benefit. Schedule your personal training sessions strategically, considering any expiration dates or use-it-or-lose-it policies. If you have funds remaining towards the end of the year, consider prepaying for future sessions or investing in fitness resources that will support your ongoing training.

Discover what is covered under a Lifestyle Spending Account to explore the full range of eligible expenses and find creative ways to support your health and well-being. With careful planning and communication, you can leverage your LSA to achieve your personal training goals and build lasting healthy habits.

Is using an LSA for personal training worth it?

Investing in your health and well-being is one of the most valuable decisions you can make, and using your Lifestyle Spending Account (LSA) for personal training is a smart way to do just that. When you prioritize your physical fitness through personalized guidance and support, you're setting yourself up for a host of benefits that can improve your overall quality of life.

Personal training can help you achieve your fitness goals more efficiently and effectively than working out alone. With the expertise of a qualified trainer, you can develop a customized plan that targets your specific needs and challenges, whether you're looking to build strength, lose weight, or improve your athletic performance. Your trainer will provide guidance on proper form, technique, and progression, helping you avoid injuries and see results faster.

But the benefits of personal training go beyond just physical improvements. Regular exercise can boost your energy levels, reduce stress, and enhance your mental well-being. As you become stronger and more confident in your abilities, you may find that you have more focus and productivity at work, as well as a greater sense of overall life satisfaction.

By leveraging your LSA for personal training, you're taking advantage of a valuable employee benefit that can make professional fitness guidance more accessible and affordable. You're investing in yourself and your long-term health, which can pay off in countless ways both in and out of the workplace.

Using your LSA for personal training is a decision that prioritizes your well-being and recognizes the importance of self-care. It's a choice to make the most of your employee benefits package and take proactive steps towards a healthier, happier life. So, if you have the opportunity to use your LSA for personal training, consider it a worthwhile investment in yourself and your future.

Forma makes it easy to maximize your Lifestyle Spending Account (LSA) by offering a seamless way to manage and use your benefits for personal training and other wellness expenses. With flexible options and clear guidance, you can invest in your health without the hassle. Schedule a consultation with one of our experts today.