Ladder Adds HSA/FSA Eligibility Through Flex

The strength-training app is expanding access by enabling members to use Health Savings Account (HSA) and Flexible Spending Account (FSA) dollars

Ladder, the strength-training app recently named a finalist for Apple’s 2025 iPhone App of the Year, has partnered with Flex to allow consumers to pay for Ladder memberships using Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).

The integration makes Ladder’s weekly training programs, coaching features and nutrition-tracking tools eligible for pre-tax spending through Flex’s HSA/FSA payments system with savings of up to 30–40%.

“The future of health spending is proactive,” Flex co-founder and CEO Sam O’Keefe said. “For many people, fitness isn’t just about performance; it’s about staying healthy for life. By making Ladder eligible for HSA and FSA spending, we’re helping more people invest in their long-term well-being in a way that’s both affordable and sustainable.”

Flex manages compliance, letters of medical necessity and checkout processing for brands across the health and wellness sector. Earlier this fall, the company raised $15 million in Series A funding to expand its platform, bringing Flex’s total capital raised to $18 million.

“At Ladder, we know that consistently following a plan is the key to achieving your health and fitness goals,” Ladder CEO Greg Stewart said. “Ladder delivers personalized, progressive workout plans typically only available through expensive personal training, alongside a supportive community that helps members stay motivated. We’re thrilled to make Ladder even more accessible through our HSA/FSA partnership with Flex.”

Ladder joins a growing number of brands that have joined Flex, including Dermstore, Therabody, Omnilux, NordicTrack, Balanced Body and Alo Wellness.