Fitness trackers

Which insurance companies offer discounts on fitness trackers and smartwatches?

Which health insurance companies offer discounts on fitness trackers and smartwatches?

Best answer: Blue Cross Blue Shield and Kaiser offer standard discounts on Fitbit, Garmin and other fitness brands. Aetna, Humana, and United Health will let you earn a “free” fitness tracker by completing and recording tracked workouts. Most brands also offer discounted gym memberships or reimbursements.

Why do health insurers offer discounts on fitness technology?

It’s no surprise that health insurance companies give you free fitness tech, hundreds of discounts on your medical bills, or subsidized gym memberships. The healthier you are, the less your insurer will have to pay for long-term medical costs.

For insurers that ask you to earn points through workouts — Aetna, Cigna, Humana, and United Health — you’ll be asked to complete an annual health checkup to personalize your fitness goals. It also encourages patients to visit the doctor’s office to detect any other problems early.

So while you might doubt your insurer is offering discounted fitness trackers or a smooth bill cut, it’s a genuine deal you should take advantage of if you want to be healthier this year.

We checked the most popular US health insurance providers by market share and found as many health insurance fitness discounts on trackers and gym memberships as possible. If your insurer is not listed below, search your member website or do a quick Google search to check for yourself!


Reach by Aetna (opens in a new tab) lets you slowly earn a free Apple Watch by achieving daily and weekly workout goals based on your weight, gender, and personal health history. Aetna will send you the Apple Watch immediately, in which case you must either complete your Wellness Goals every month for two years or send a monthly payment if you slack off. If you already have one, you can earn points for a new watch or gift cards. Unfortunately, it is specific to iOS users only.

Aetna also offers members or couples savings on gym memberships, potentially saving you hundreds over every six month period.

Blue Cross Blue Shield Anthem

Blue365 (opens in a new tab) is a dedicated area for all BCBS and HCSC members offering discounts on health, fitness and nutrition, including 25% off Garmin products, up to 32% off a Fitbit with a gym, discounts on various wireless headphones from Jabra, Aftershokz and others, or 20% off a Withings Body Cardio or Withings Move scale.

BCBS also offers a gym pass for $25 per month at 10,000 locations in the US, while Anthem appears to offer a form of reimbursement for attending the gym a certain number of times per year.


The Cigna Healthy Rewards program offers discounts on a variety of health and wellness products and services, with discounts varying by vendor, but frequently reaching 25% off. You can also get a discounted gym membership via Active and fit (opens in a new tab)partner of Cigna.

You can also save your achievements via (opens in a new tab), by completing weekly step goals to earn up to $50 for 1,000 points or up to $500 per year. If you buy a fitness tracker to achieve these goals, you’ll easily repay the price over time, which is its own type of discount.

To note: We mentioned earlier that Active&Fit offers Fitbit/Garmin home fitness kits on their website. However, representatives from Cigna and A&F have informed me that they do not offer these kits through this specific program and have asked us to remove this information. We regret the error.


If your workplace is registered with Go365 (opens in a new tab), you can participate in the wellness incentive program and earn points for working out. Simply link your favorite fitness app to the Go365 app and perform recommended activities (including non-fitness activities like dental cleanings) to earn points. You can then convert those points into a free Fitbit or Garmin watch, e-gift cards for popular storefronts, or outdoor recreation accessories.

While Humana participates in the Silver sneakers (opens in a new tab) program for Medicare users, we have not seen any other gym reimbursement plan with this insurance.

Permanent Kaiser

If your organization has opted for the Kaiser ChooseHealthy (opens in a new tab) program, you can get decent discounts on Health Insurance Fitness: 20% off top Fitbit or Garmin trackers, 20% off Fitbit Premium, and 15% off Polar trackers. You’ll also find 30-55% off workout clothes or exercise equipment, among other deals.

Register an account and you will find a wide range of discount offers. All you need to do is simply copy the promotional code provided, click Redeem Offer and proceed to the relevant page to receive your discount.

Like Cigna, Kaiser also allows you to subscribe at a reduced price to the Active and fit (opens in a new tab) program, meaning you can pay monthly for a cheaper gym membership and get a free Garmin or Fitbit kit as part of the package.

United Health

United Health (UH) has a Motion app (opens in a new tab) which encourages you to achieve daily FIT goals (frequency, intensity, tenacity), such as moving six times a day, doing a 30-minute intensive workout or taking 10,000 steps. Basically, eligible members can get Fitbit Charge 5 or Apple Watch for free and earn a few dollars a day towards those goals. You can get a new device every two years and receive a free Apple Fitness+ membership.

Alternatively, UH has a Sweat Equity program that reimburses you up to $200 over a six-month period for completing 50 tracked gym workouts; and it has a Medicare Renew Active program that offers free gym membership, among other benefits.

Make sure your insurance keeps you healthy

Not all health insurance offers these kinds of benefits, and some insurance varies depending on the state you live in. But even if your provider isn’t listed here, you should definitely check and see what your insurer offers.

Discounts on fitness trackers will make it more affordable to track your health and physical progress over time. And with the right insurer, you can use that data as proof that you’re healthier, with reduced insurance payments or free gifts to encourage your fitness journey.