Funding & reimbursement

You may not have to pay for this yourself

Between health plan wellness budgets, pre-tax health accounts, employer stipends and gym bundles, there are six common ways a 90-day program gets funded by someone other than you.

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Find the row that sounds like you.

If this is you	How it gets paid	Typical saving
Employee at a company with a wellness stipend	Submit your receipt for reimbursement	Often 100%
Member with a qualifying health condition	Letter of Medical Necessity, then pay with HSA or FSA	About 25–40%
Employer buying seats for a team	Health plan wellness allowance plus full deductibility	Up to the full cost
Gym or studio member	Bundled into your membership tier	Varies by facility

Six ways 90Day.app gets funded

For employers

Your health plan’s wellness allowance

Most large health plans — UnitedHealthcare, Cigna, Aetna, Blue Cross Blue Shield, Kaiser — give employers an annual wellness allowance, often $25 to $150 or more per covered employee. It usually has to be spent on preventive health programs or it disappears at year end.

Organization seats run $39 to $99 per person, so many employers cover 90Day.app entirely out of that allowance.
Ask your benefits broker or plan representative what your unused wellness budget is for this plan year.

For employers

Fully deductible, plus payroll tax savings

There is no blanket federal tax credit in the United States for simply buying a wellness app. The real benefit is that the cost is a normal business expense, so it is 100% deductible against taxable income.

Seats bought for employees are deductible as an ordinary business expense.
Run inside a formal cafeteria plan or qualified preventive benefit, wellness spending can also reduce taxable wages and save roughly 7.65% in employer payroll tax.
A few states have offered limited wellness tax credits at times; those are state specific and usually need a pre-certified program.

For members

Pre-tax HSA and FSA dollars

General fitness apps are not automatically eligible for health savings or flexible spending accounts. They become eligible when the program is used to prevent or treat a diagnosed condition such as obesity, high blood pressure, pre-diabetes, chronic joint pain or metabolic syndrome.

With a Letter of Medical Necessity from a clinician, your $19 monthly, $149 annual or $90 commitment can typically be paid with pre-tax health dollars — an effective saving of roughly 25% to 40%.
The supervised clinical track, with intake and lab panels, fits qualified medical care most naturally.

See the clinical track

For members

Lifestyle spending accounts and wellness stipends

Many employers now hand out post-tax lifestyle spending accounts of $200 to $1,000 a year through providers like Fringe, Forma, Compt or Benepass. They are earmarked for exactly this: gym memberships, nutrition plans, coaching and wellness apps.

Submit your 90Day.app receipt to your stipend provider and get reimbursed, often in full.
Your account page keeps your payment history so the receipt is easy to attach.

For employers

Premium discounts and completion rewards

90Day.app fits the definition of a participatory wellness program — open to every employee, with no health test required to join — and can also be run as an outcome program that rewards finishing.

Wellness rules allow employers to offer up to a 30% reduction in employee health premiums, or 50% for tobacco cessation, for completing a designated program.
Some employers prefer a direct reward instead: “finish your 90 days and get $50 a month off your premium” or a deposit into a health account.

For gyms and studios

Bundled into a gym or training package

Partner gyms and studios can fold 90Day.app into higher-tier memberships or personal training packages, so the cost rides along with dues the member already pays.

Members get a structured 90-day plan alongside their facility.
Gyms get retention and a reason to sell the higher tier.

Browse partner gyms

Ask your employer

Copy this, fill in the two brackets, and send it to whoever handles benefits where you work.

Subject: Request to use our wellness budget for a 90-day health program

Hi [name],

I would like to use our wellness benefit for 90Day.app (https://90day.app), a structured 90-day health program covering workouts, nutrition and daily habit tracking with team accountability.

A few notes that may help:
- Team pricing is $39 to $99 per person depending on headcount, and the cost is a deductible business expense.
- Many health plans provide an annual wellness allowance that can fund programs like this, often with no net cost to us.
- It is open to all employees with no health screening required to join, and completion can be tied to a premium or health-account reward.

Could you let me know whether this can be covered, or point me to the right approval process?

Thanks,
[your name]

Ready when the budget is

Bringing a team? We will put together the per-person numbers for your headcount. Paying for yourself? The pricing page shows every option, including the refundable commitment.

This page is general information about how wellness programs are commonly funded in the United States, not tax, legal or medical advice. Rules change and depend on your plan, your employer and your situation, so confirm details with your tax adviser, benefits administrator or clinician before you rely on them.