Best Crutches to Buy With FSA or HSA Dollars (2026 Guide)

Your FSA and HSA dollars are pre-tax money. That means when you spend them on crutches, the government is effectively covering 20 to 35 percent of the cost depending on your tax bracket. You are not spending $149. You are spending closer to $116. The question is not whether to use your FSA or HSA for crutches. The answer to that is obviously yes. The question is which crutches are actually worth those tax-advantaged dollars -- and which ones are just checking a box. Here is how to make that call well.

What Makes a Crutch "Worth" Your FSA/HSA Dollars

Not every item on an FSA/HSA eligibility list is created equal. Eligibility means the IRS will let you use tax-advantaged money for the purchase. It does not mean the product is good. When it comes to crutches, the things that separate a genuinely useful pair from a waste of pre-tax money are: Ergonomics. How the grip is shaped, how weight is distributed across your hand and wrist, and whether the axillary pad (the armpit piece on underarm crutches) is positioned and padded properly. Poor ergonomics cause secondary injuries. Good ergonomics protect you during recovery. Weight. A heavier crutch means more energy expenditure per step. Over the course of a six-week recovery, that adds up to real fatigue. Adjustability. Your crutch height and handle height need to fit your body precisely. A crutch that cannot be fine-tuned to your proportions will put stress in the wrong places regardless of its other qualities. Secondary injury risk. The commonly reported crutch-related complications are shoulder impingement, rotator cuff strain, wrist and hand pain, and nerve compression at the axilla, where the brachial plexus and radial nerve run. The right crutch design minimizes all of these. The wrong one accelerates them. Fit for the length of your recovery. Clinical reference material is direct about this: axillary crutches are best for short-term use, forearm crutches are better for long-term use. If you are looking at more than two or three weeks, that alone narrows the field.

The Types of Crutches That Are FSA/HSA Eligible

All of the following crutch types are FSA and HSA eligible under IRS Publication 502 as durable medical equipment. Since the CARES Act of 2020, no prescription is required. Standard aluminum underarm crutches. The classic version. Widely available at pharmacies and hospital supply stores. FSA/HSA eligible. These are the crutches most people picture when they hear the word "crutch." Forearm (Lofstrand) crutches (HCPCS E0110). The crutch type that has a forearm cuff rather than an axillary pad. Widely used in Europe and preferred by many physical therapists for long-term or recurring use. FSA/HSA eligible. Spring-assisted underarm crutches (HCPCS E0117). An evolution of the standard underarm crutch that incorporates a spring mechanism to absorb impact and improve the gait cycle. FSA/HSA eligible. All three types are legitimate medical devices. The eligibility question is settled. The quality question is not.

What You Get at Each Price Point

Here is an honest look at what your money buys at different price ranges, and what the effective cost looks like after a 22% tax bracket FSA/HSA discount.

Price Range	Type	Pros	Cons	Effective Cost (22% bracket)
$25 - $50	Standard aluminum underarm	Inexpensive, available everywhere, covered by most insurance	Poor ergonomics, high secondary injury risk, not suitable for extended use	~$19 - $39
$150 - $250	Mid-range forearm	Better fit, improved grip design, more durable than budget options	Still significant trade-offs in shock absorption	~$117 - $195
$149	in-Motion Pro (forearm or spring-assisted underarm)	Angled contoured grips, spring-assist shock absorption, molded V-shaped cuffs, 1.8 lbs per crutch, 350 lb capacity	Not stocked in most pharmacies	~$101 - $116

At a 22% tax bracket, the in-Motion Pro crutch at $149 has an effective cost of roughly $116. At a 24% bracket, it drops to around $113. If your marginal rate is 32%, you are looking at closer to $101. That is the number you are actually spending. A refurbished set at $109 brings it down further.

The in-Motion Crutch: Built for Recovery

The in-Motion Pro forearm crutch was designed to solve specific, documented problems with standard crutch design. It is worth understanding what those solutions actually are rather than taking the description on faith. Ergonomic hand grip. The grips are angled and contoured to hold the wrist in a natural position rather than forcing it into deviation under load. Standard crutches place a cylindrical handle under the palm at full body weight with every step, and the loads are not trivial: instrumented gait analysis puts peak axial crutch force at roughly 45 percent of body weight per crutch during reciprocal gait. Over weeks of use, that creates real wear on soft tissue. Molded V-shaped forearm cuffs. The cuff moves the load path off the axilla entirely, which removes the crutch palsy risk that comes with underarm designs. Both standard and large cuff sets ship in the box. Shock-absorbing spring-assist post. Every step on a crutch sends an impact force up through the handle, wrist, and shoulder. A spring-assist lower post dissipates a portion of that force before it reaches your arm. This is particularly relevant for people recovering from lower-extremity surgery, who are often putting significant weight through the crutch on the affected side. Lightweight aluminum construction. 1.8 pounds per crutch, rated to 350 pounds. Less weight per crutch means less fatigue per step, which matters more the longer your recovery runs. Energy cost is a real factor here: oxygen uptake on standard axillary crutches has been measured at 54 percent above normal walking. This is not a crutch that was designed for the hospital discharge corridor. It was designed for recovery.

The Case Against Cheap Crutches

The argument for buying cheap crutches is obvious: they are cheap. The argument against them is less obvious until you have lived it. Standard aluminum crutches are designed for short-term transport use. They are adequate for getting from the discharge desk to your car, or for a few days of limited weight-bearing after a minor injury. They are not designed for weeks of daily use during surgical recovery. The consequences of extended use on poorly designed crutches are well-documented:

Shoulder impingement and rotator cuff strain from improper load transfer through the arm
Carpal tunnel-like wrist and hand pain from concentrated grip pressure
Crutch palsy, the compression of the brachial plexus and radial nerve that happens when body weight rests on the underarm pad. In one published case it produced wrist drop in both hands and took ten weeks to fully resolve.
Increased fatigue that leads to gait compensation patterns, which can strain the knee, hip, and back

Physical therapists see this regularly. If you show up to a PT session on poorly fitted or poorly designed crutches, your therapist will likely notice before you mention it. Many patients end up being told by their PT to get better crutches weeks into a recovery -- at which point they have already absorbed the wear. The math is worth thinking through: two or three additional PT visits at a $30 to $50 co-pay each adds $60 to $150 in costs that a better crutch might have prevented. Your FSA/HSA would have covered the better crutch. It probably will not cover the extra PT visits, depending on your plan design and deductible status.

How to Buy With FSA/HSA

Buying with your FSA or HSA at crutches.com is straightforward. At checkout, you can pay directly with your FSA or HSA debit card. The card works like a standard Visa or Mastercard. The purchase is automatically recorded as a medical expense. If your card is declined, this occasionally happens if the card issuer requires a secondary verification step for purchases outside of traditional medical providers. In that case:

Pay out of pocket at checkout using a regular debit or credit card.
Save your receipt (we will email you one).
Log in to your FSA or HSA provider's portal and submit the receipt for reimbursement.

Reimbursement typically processes within a few business days. Your HSA reimbursement has no deadline -- you can submit that receipt any time in the future, even years later.

The Bottom Line

You are going to spend pre-tax health dollars on crutches anyway. The only question is which crutches. At a 22% bracket, the effective cost of the in-Motion Pro crutch is roughly what you would spend on two or three physical therapy co-pays. Given what poorly designed crutches can cost you in secondary injury and extended recovery, that is a comparison worth sitting with. Spend the FSA/HSA dollars on something that earns them. Shop the in-Motion Pro crutch, forearm (E0110) and spring-assisted underarm (E0117). Both models ship directly to your door and are accepted by FSA and HSA debit cards at checkout.