Qualify to save an average of 30% on your bike by paying with HSA/FSA

Yes, if you qualify. Brooklyn Bicycle Co. accepts HSA and FSA payments through Truemed. At checkout you complete a health survey, an independent licensed practitioner reviews it, and if they find you qualify, you receive a Letter of Medical Necessity that lets you pay with pre-tax dollars. Without that letter, a bike bought for general fitness is not an eligible HSA or FSA expense.

A Health Savings Account (HSA) and a health Flexible Spending Account (FSA) let you set aside pre-tax money for eligible health expenses. HSAs pair with high-deductible health plans, and the balance rolls over year to year. Health FSAs come through employers and usually have a use-it-or-lose-it deadline. If you're not sure which one you have, check with your employer or insurer.

Add your bike to the cart, start checkout, and select Truemed as your payment method. If a Shop Pay window opens, close it, because Truemed is a separate option. Complete the health survey, then pay with your HSA or FSA card, a regular card, or a split of both.

Truemed lets you know, and you're fully refunded. You can then finish your purchase with a regular credit or debit card if you'd like. Either way, the bike, the free shipping, and the free pro assembly stay the same.

A Letter of Medical Necessity (LMN) is a document from a licensed practitioner explaining why a product helps treat, mitigate, or prevent a specific health condition. The IRS defines medical expenses as the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and excludes purchases made only for general health. An LMN documents that link, which is how a bike can qualify for qualified customers. Truemed facilitates the evaluation and the documentation, and independent licensed practitioners issue the letters.

Truemed reports that qualified customers save an average of 30%, because HSA and FSA dollars are not taxed as income. On a $699.99 Roebling, a 30% combined tax rate works out to about $209.99 in tax savings. Your actual savings depend on your federal and state tax brackets and your plan's rules. HSA/FSA tax savings vary.

Yes. If your HSA or FSA balance doesn't cover the full price, Truemed checkout lets you put part of the order on your HSA or FSA card and the rest on another card.

Yes. Select Truemed at checkout and pay with your regular card. After your purchase, Truemed emails instructions for submitting your receipt and Letter of Medical Necessity to your HSA or FSA administrator for reimbursement.

The bikes on this page are set up for Truemed checkout. Accessories like locks, lights, and helmets may not qualify. If your cart includes items that aren't eligible, Truemed checkout asks you to pay for them separately.

No. The health survey happens inside Truemed checkout, and an independent licensed practitioner reviews your answers there. If they find you qualify, Truemed emails you a Letter of Medical Necessity and your purchase goes through with your HSA or FSA card.

The cost of Truemed's service is included in the purchase price. You pay the same price for the bike whether you check out with Truemed or another payment method.

For most plans, unused health FSA funds expire at the end of the plan year, often December 31. Some plans offer a grace period, or let you carry over up to $680 of unused 2026 funds into 2027. Check your plan's deadline. HSA balances roll over from year to year.

For 2026, the IRS caps HSA contributions at $4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up if you're 55 or older. The health FSA limit for 2026 is $3,400. For 2027, the HSA limits rise to $4,500 and $9,000.

Truemed is for people who have an HSA or FSA, or who plan to fund one during open enrollment, so ask your employer what your benefits include. If you don't have either, you can still spread out the cost of any Brooklyn bike with Buy Now, Pay Later through Affirm.

No. Truemed is available in the United States only. Brooklyn Bicycle Co. ships to the 48 contiguous states, with free professional assembly at a partner shop near you.

Your Letter of Medical Necessity applies to the items in your original order. If you switch models, sizes, or add accessories, the letter may no longer apply, and Truemed doesn't reissue it automatically. Contact Truemed at support@truemed.com to requalify or request an updated letter.

Our 30-Day Love at First Ride Promise works the same way for Truemed orders, and you request a return through us as usual. If you paid with an HSA or FSA card, the refund goes back to that same card. It can take longer than a regular bank refund, so if you haven't seen it after 15 business days, contact your card issuer. Refunds to a regular credit or debit card follow our usual timeline.

Independent licensed practitioners working with Truemed review your health survey and decide whether a Letter of Medical Necessity is appropriate. Brooklyn Bicycle Co. doesn't make that decision, and your HSA or FSA administrator decides reimbursement.