Did you know you can purchase Thorne supplements and tests with a Flexible Spending Account (FSA) or a Health Savings Account (HSA)?

Depending on your health plan, you might have access to an FSA or HSA that can help cover specified out-of-pocket health-care costs and eligible expenses.

Purchases of Thorne’s at-home health tests, health panels, and some supplements can be reimbursable under your FSA or HSA! You can shop all of Thorne’s FSA/HSA-accepted health solutions here, or when browsing a Thorne product’s details, look for the words “HSA/FSA accepted” at the “Add to Cart” button.

Because everyone’s health savings plans, insurance, and medical expenses are different, check with your FSA or HSA benefits coordinator to verify your Thorne purchases are qualified medical expenses under your program’s terms and conditions.

But first, what is FSA versus HSA? How do I use my FSA or HSA account funds to purchase Thorne products? Can I use my FSA/HSA to pay for Thorne products?

Keep reading! We’ll explain the FSA vs. HSA differences and the steps to maximizing your FSA or HSA benefits with Thorne.

FSA vs. HSA

In short, both FSA and HSA programs are ways to set aside pre-tax money from your paycheck into a special account to pay for certain health-care costs. This means that any contribution to an FSA/HSA account is not taxable income under current U.S. federal income tax regulations.

Depending on your tax bracket, that can add up to big savings on qualified medical expenses.

The biggest difference between an FSA and an HSA is what happens to the funds in the account at the end of the calendar year.

In the case of an HSA, the entire account balance carries over to the next year – and it collects interest – allowing you to save now for unexpected medical expenses later in life.

In the case of an FSA, most of the unused funds expire at year-end, with only a small portion carrying over to the next year. This makes an FSA plan ideal for individuals who have regular medical expenses or frequent doctor visits.

FSA and HSA limits

Neither FSA nor HSA are limitless savings accounts. Contribution limits are different for each account type.

For example, in 2023, the FSA contribution limit is $3,050, with a $610 carryover into 2024.

Comparatively, the HSA contribution limit in 2023 is $3,850 for an individual, or $7,750 for a family. Unused funds carry over from year to year.

Note that contribution limits can change from year to year, and they will increase in 2024! Check with your benefits coordinator to get the most up-to-date information about using FSA/HSA funds.

FSA vs. HSA eligibility

Not everyone can qualify for an FSA or an HSA.

Flexible Spending Accounts (FSAs), also called Flexible Spending Arrangements, are established by an employer-run health plan and may be offered along with other employment benefits. Self-employed individuals are not eligible to create a flex spending account under current IRS regulations.

Health Savings Accounts (HSAs), on the other hand, do not have an employment-status requirement and can be set up by an eligible individual through an insurance company, a bank, or other IRS-approved trustee, although only individuals who are covered under a high deductible health plan, or HDHP, can set up an HSA.

If you have an employer-run health plan, then consult your benefits coordinator about the differences between an FSA and an HSA as they relate to your health insurance plan, and to ensure you make the choice that’s right for you. For technical information about FSA vs. HSA definitions, refer to IRS Publication 969.

Using FSA/HSA funds

So you’ve set aside money in an FSA or HSA. Now how do you go about using FSA/HSA funds?

After making a purchase, you submit an itemized receipt to your FSA or HSA provider for reimbursement. If you make a purchase of an FSA- or HSA-accepted product from Thorne, an itemized receipt will be sent automatically as part of your order confirmation email. If you have a Thorne account, then you can access past orders and itemized receipts by logging into your Thorne account, going to “Orders,” and clicking on “Details.” If you have trouble finding an itemized receipt for a purchase made through Thorne.com, email our Help Center at support@thorne.com.

Depending on your program, you may have received a benefits card; this benefits card can be used like a debit card to access your FSA or HSA funds.

Remember, only qualified medical expenses, like Thorne’s at-home health tests, are eligible for FSA or HSA reimbursement. What qualifies as a medical expense can change from year to year.

If you have questions about whether your purchase will be covered or reimbursed by your HSA or FSA plan, then you can verify product eligibility with your benefits coordinator before you complete your purchase to maximize your FSA/HSA benefits and receive the health solutions you deserve.

Does Thorne take FSA/HSA?

Yes! Explore Thorne’s FSA/HSA-accepted products here.

Note that not all Thorne products are accepted by FSA and HSA plans. As always, be sure to consult your benefits coordinator to ensure your Thorne purchase are qualified medical expenses so you can use your FSA or HSA funds or to receive timely reimbursement.

The following is a list of the tests and supplements currently qualified as “HSA/FSA accepted”:

  • Thyroid Test – Thyroid imbalance is more common than you might think. This at-home blood test provides insights about thyroid function by measuring key hormone levels. Results include a personalized health plan.
  • Stress Test – The adrenal glands help us handle stress. This at-home saliva test provides insights about your stress response and the health of your adrenal glands by measuring hormone fluctuations. Results include a personalized health plan.
  • Sleep Test – Find out why you have trouble sleeping. This at-home saliva test tracks hormone fluctuations that regulate the sleep-wake cycle. Results include a personalized health plan.
  • Vitamin D Test – A low level of vitamin D is linked to various health risks. This at-home blood test provides health insights by measuring your vitamin D level. Results include a personalized health plan.
  • Gut Health Test – The Gut Health Test provides a detailed analysis and a personalized plan that targets GI discomfort to optimize wellness. You can learn how to create meaningful changes in your gut’s microbiome with the combination of Thorne’s cutting-edge sequencing and patent-pending wipe technology that makes the sample collection process simple.
  • Menopause Test – Hormonal changes during menopause can impact a woman’s health. This at-home saliva test measures levels of the key hormones related to menopause. Results include a personalized health plan.
  • Biological Age Health Panel – Biological Age analyzes the impacts that lifestyle, nutrition, illness, and genetics have had on your body and vital organs, such as your liver and kidneys. Your Age Score provides insights so you can make changes to improve your overall wellness and longevity.
  • Weight Management Test – Find out how to reach your weight goal. This at-home blood and saliva test provides insights by measuring key biomarkers associated with weight management. Results include a personalized health plan.
  • Essential Health Panel – This panel provides a baseline health assessment that includes 63 biomarkers, measuring performance hormones like testosterone and DHEA-S, essential vitamins and minerals, and metabolic function. A lab visit is required for a blood draw.
  • Advanced Health Panel – This panel provides an in-depth health assessment that includes 89 biomarkers critical to muscle performance, injury reduction, and overall health and wellness. Results include a personalized plan to optimize your health and wellness routine. A lab visit is required for a blood draw.
  • Fertility Test – This at-home blood and saliva test provides insights by measuring a woman’s reproductive hormones, thyroid function, and stress responses. Results include a personalized health plan.
  • Basic Prenatal – A gentle and effective daily multi-vitamin/mineral supplement for a woman who is trying to conceive, is pregnant, or is nursing. A well-researched multi- formulated to nutritionally support both mother and baby, from pre-conception through nursing.* It’s made without the additives and coatings found in mainstream prenatal supplements.
  • Glucosamine & Chondroitin – Helps maintain healthy joint function and mobility and supports normal cartilage formation and is supported by clinical research.*

Get started now!

If you have unused funds in your FSA account to use before the end of the year, or if you’re just looking to get the most out of your HSA benefits, check out Thorne’s FSA/HSA-accepted health tests and supplements now.

Curious about home health testing and health panels? Thorne’s health tests provide meaningful insights and tailored recommendations for diet and lifestyle based on your unique results. Learn more about Thorne’s health tests to get started on a lifetime of better health and wellness today!