That 3 PM slump isn’t just you. It’s a nutrition problem. We buy tech for better health habits. That is a great investment. But the cost can sting a little. I found ways to cut that price tag. You can turn your Smartwatch Data into real dollars. This article is for informational purposes only. It is not a substitute for professional medical advice.
Insurance Wellness Programs
Insurance plans want you healthy. They offer big rewards for activity tracking. You may get your device at a huge discount. Annual premiums can also be lower. Call your HR department now. Ask about wellness incentives. Blue Cross Blue Shield has great offerings. I noticed the premium drop immediately. It made my whole year feel great. Take control today. Results may vary based on individual health status and constitution.
Tax-Free Money for Your Health
Health Savings Accounts (HSA) use pre-tax dollars. This means 20-30% savings up front. You can sometimes use them for health tech. Your specific medical condition must qualify. Get a Letter of Medical Necessity (LMN) first. My partner’s doctor provided an LMN easily. They bought a new fitness tracker. Not all devices or plans are eligible. Check the IRS Publication 502 rules closely.
Self-Employed Business Write-Off
Are you a self-employed business owner? If so, this is for you. You may deduct part of the device cost. This is only if the tech has a business need. Think about client communication or scheduling. Keep meticulous usage logs for proof. My friend Alice tracks all her business calls. This justified her recent device purchase. Talk to your CPA about this rule.
Your tech is more than just steps counted. It is a smart financial move, too. Remember, self-care doesn’t have to be complicated. Stop reading and check your HSA eligibility list right now. Consult a tax professional for deduction advice. Speak to your medical doctor about severe health issues.
References
https://www.johnhancock.com/life-insurance/vitality/apple-watch.html
https://www.irs.gov/publications/p502
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