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Americans need more exercise—and should be able to tap FSA and HSA funds to pay for gyms, studios, and sports leagues

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Americans need more exercise—and should be able to tap FSA and HSA funds to pay for gyms, studios, and sports leagues

Exercise matters. In the battle against America’s rising tide of overweight and obese youth, increasing mental health concerns, and growing threat of chronic disease prevalence, the simplest prescription is movement—every step, every workout, every sport and physical activity improves physical and mental health. 

What’s more, the ramifications of childhood obesity are profound, ranging from cardiovascular issues to heightened diabetes risk, as highlighted by the Government Accountability Office. With health care costs rising and cultural influences promoting sedentary lifestyles, the imperative to act has never been more urgent.

The future of our country is inextricably tied to our ability to move, and it is necessary for all of us—lawmakers, parents, educators, small business owners, employers—to embrace and support physical activity as a necessary component of health care. 

The Health & Fitness Association, a trade group I lead, is this week releasing new data illustrating the economic powerhouse the health and fitness industry has become—and the vital role it plays in our economy. This first-of-its kind data demonstrates why the industry deserves a seat at the table, alongside government and health care leaders, as we continue to advance toward preventive—not prescriptive—care. 

The data reveals that local health and fitness establishments collectively employ over 430,000 workers across 55,000 locations, injecting over $22 billion directly into our local and national economy while also strengthening the American middle class. Furthermore, the Health and Fitness Association also reports that across the nation some 70 million consumers regularly use industry facilitieshealth and fitness clubs, gyms, studios, sports and aquatic facilities, camps, and industry partners. 

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Empowering busy parents, educators, and students to embrace this ethos requires innovative solutions. One such solution lies in extending financial support for physical activity and equipment through flexible and health spending accounts (FSAs and HSAs), mirroring the approach taken with numerous other consumer health products.

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are tools for managing health care expenses, but they differ from traditional ones. FSAs, provided by employers, allow pre-tax contributions, but funds expire at year-end, with any remaining balance reverting to the employer. HSAs, for those with high-deductible health plans, offer tax-deductible contributions, potential growth, and rollover funds, providing flexibility and long-term savings potential.

We’re collaborating with national leaders to champion bipartisan legislation called the Personal Health Investment Today (PHIT) Act, aimed at expanding families’ access to all manner of physical activity programs and equipment, for both youth and adults alike. Under it, FSAs and HSAs could be used to pay for health club memberships, fitness equipment, exercise videos, and youth sports leagues. If passed, it would enable individuals to use up to $1,000 per year—up to $2,000 for families—to cover physical activity-related expenses.

The proposed legislation extends coverage to these expenses for employees, aligning with the model through which millions of Americans already purchase over-the-counter health products, such as cold and pain relievers. By streamlining access to these resources, we can combat the troubling statistics outlined by the Centers for Disease Control, where only a fraction of children meet the recommended levels of daily exercise and rates of obesity continue to soar, especially among communities of color.

Harnessing FSAs and HSAs for exercise initiatives is a logical extension of existing practices, given that these accounts already support a myriad of health-related services and products. Physical activity stands as a universally accessible tool for enhancing both physical and mental well-being, making its inclusion in these programs not only sensible but essential.

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Additionally, expanding eligibility to encompass youth sports programs and fitness courses for adults, as proposed by the PHIT Act, makes good financial sense because millions of Americans who use FSA and HSA benefit accounts leave leftover funds in the accounts at the end of the year—funds that most consumers do not know revert to their employer.

Beyond the realms of family and youth fitness, such measures hold the potential to address broader societal challenges, including military readiness, where obesity rates have hindered recruitment in recent years.

The federal government already recognizes the importance of using federal policy and support to encourage and empower consumers to take action.

This year will be the first time physical activity expenses are eligible as qualified expenses for many HSAs when prescribed for medical necessity. This new tax treatment is a great first step for empowering employees to leverage their funds in order to combat a critical health care challenge in our society. Now is the time to fully embrace physical activity and take the investment in our country’s overall well-being to the next level. We know it can be done. 

Expanding access to fitness programs through taxpayer-funded initiatives represents a commonsense approach whose time is overdue. 

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Every week, some 70 million consumers from ages 8 to 80 visit more than 55,000 different types of gyms, studios, and other fitness facilities because they know and experience the physical and mental health benefits of exercise. Federal policy should help expand access and encourage good habits like these—it would benefit all of us in the long run.

Let’s seize this opportunity to empower individuals of all ages to embrace a lifestyle of movement, vitality, and well-being. The future of our country—and our economic lives—depends on our ability to take bold action and embrace a sensible, scientific approach to empowering a population that is healthy, able to face today’s obstacles, and prepared for the tomorrow’s challenges.  

Liz Clark is president and CEO of the Health & Fitness Association, a trade group representing health and fitness facilities, along with their partners and suppliers. She’s the first woman to head the organization in its 40-year history.

More must-read commentary:

The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.

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UnitedHealthcare rolls out wellness spending accounts for fitness, family planning

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UnitedHealthcare rolls out wellness spending accounts for fitness, family planning
The payer group said the new Lifestyle Spending Account will pay for the things not currently covered by other flexible spending accounts, such as consumer products to monitor nutrition and manage diabetes. The full list of options is presented in a new webstore.
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Are Stamina and Endurance the Same Thing?

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Are Stamina and Endurance the Same Thing?

Athletes need to think about stamina and endurance all the time. Whether you’re a runner, a basketball player or a swimmer, your ability to push hard and keep going often determines who wins and who comes out on top.

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But endurance and stamina aren’t just important for athletes. They can also affect how easily you tackle everyday activities, like yardwork or helping a friend move.

Exercise physiologist Christopher Travers, MS, explains what sets stamina and endurance apart and how to build up both with a variety of workouts.

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How stamina and endurance work together

Stamina and endurance often go hand in hand — but they’re different.

Think of stamina as how hard you can push yourself, and endurance as how long you can maintain that effort.

In car terms, stamina reflects how hard you push on the gas pedal for a quick jump in speed. Endurance reflects how far you can go before running out of fuel.

Together, they help you reach your destination and achieve milestones in your physical performance.

Let’s dig a little bit more into what makes each unique.

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What is stamina?

Stamina describes your mental and physical ability to sustain high-intensity effort over a shorter period of time. It’s that quick burst at the starting line, the second-wind sprint you get during the last push of a marathon and the fast acceleration that carries you uphill.

“With stamina, you’re trying to push through at a higher heart rate,” says Travers. “It’s your power, your speed and your repeated burst of effort.”

What is endurance?

Endurance describes your body’s ability to sustain low-to-moderate-intensity activity over very long periods of time. It’s the ability to endure a marathon, miles of cycling and long workout sessions without stopping or decreasing intensity.

“With endurance, you’re learning how to maintain a certain level of intensity for the longest period of time,” says Travers. “You’re focused on your breathing, keeping a steady pace and sticking to correct form so you can go longer without running out of energy.”

How to increase endurance and stamina

Building stamina and endurance involves different approaches to physical fitness. Stamina relies on quick bouts of high-intensity exercises, while endurance is less intense but for longer periods of time.

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Working on both simultaneously can improve your performance and make a significant impact on your overall health. Let’s now focus on each one individually.

How to increase stamina

Circuit training is a great way to build stamina because it combines strength and cardio exercises with limited rest. A circuit involves moving through a series of exercises that target different muscle groups with little-to-no break between each one. After completing a circuit, you take a longer recovery before repeating the entire circuit.

“The big thing with stamina workouts is your recovery,” notes Travers. “When you finish an entire circuit made up of several quick exercises, you want a longer recovery so you can come back and do the entire circuit over again at the same high intensity.”

High-intensity interval training (HIIT) can also improve stamina. HIIT alternates short bursts of intense exercise with brief recovery periods, training your body to:

  • Work hard even when you’re fatigued
  • Recover quickly between exercises
  • Tolerate higher levels of exertion
  • Use oxygen more efficiently

A stamina workout might combine these approaches by using a circuit of high-intensity exercises followed by a longer recovery period before repeating the circuit.

Exercises commonly used in stamina workouts include:

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  • Hill sprints
  • Box jumps
  • Stair climbs
  • Mountain climbers
  • Jump squats
  • Burpees

How to build endurance

To build endurance, you’ll need to learn how to maintain a certain level of intensity for longer stretches of time.

“With endurance, we’re going for that longer, steady state and gradually increasing our time and our distances,” explains Travers. “Endurance requires consistency over weeks and even months.”

It helps to focus on workouts that keep your body moving for extended periods. Cardiovascular exercises are especially effective at building endurance. But strength training can be adapted to improve muscular endurance, training your muscles to work longer before they become fatigued.

When working on endurance, you want to increase the amount of time, distance or reps as you progress through your training.

Common exercises for endurance include:

  • Cycling
  • Running
  • Hiking
  • Swimming
  • Rowing
  • Planks

Final note for the miles ahead

Whether your goal is to move faster, exercise longer or simply keep up with the demands of daily life, stamina and endurance can help you get there. Building both takes consistency and practice. But over time, those efforts can pay off in improved performance, better fitness and greater confidence in what your body can do.

“If you train consistently and you’re seeing progress, both your stamina and endurance are improving,” encourages Travers. “It doesn’t happen overnight. It takes time, practice and attention to your overall health.”

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What Fitness Experts Want GLP-1 Users to Know About Exercise | NewBeauty

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What Fitness Experts Want GLP-1 Users to Know About Exercise | NewBeauty

GLP-1 medications have reshaped the conversation around weight loss, but fitness experts are quick to point out that the blueprint for a strong, healthy body hasn’t budged. In fact, it’s never mattered more. The fundamentals of healthy living, from strength training and prioritizing protein to staying active, remain essential for preserving muscle, supporting metabolism and creating results that last. Here’s what top trainers want everyone taking a GLP-1 to know.

Image / Tracy Anderson

“Weight changes quickly, but structure doesn’t,” says Tracy Anderson (@tracyandersonmethod), founder of her namesake movement catalog. For anyone relying on GLP-1s without prioritizing movement, she has a clear warning: The body you’re uncovering still needs tending. “The health of your metabolism relies a lot on how you interact with your muscles.” And for Anderson, that means keeping movement varied and consistent. “You want to recruit as much activity as you possibly can in your body. It’s not enough to just say, ‘I’m going to lift; I’m going to build muscle.’ Things atrophy, and you want to keep as much awake and as much alert as you possibly can.”

Image / Kira Jones

“When you’re on a GLP-1, as much as 40 percent of the weight you lose may be lean muscle mass,” explains Kira Jones (@kirajones), founder of Cacti Wellness, who adds that the fix for this is non-negotiable. “It’s essential that GLP-1 users actively work to gain and maintain strength and build muscle. Muscle protects your metabolism long-term and provides that toned appearance.” Her advice: Strength train two to three times a week with weight that genuinely challenges you, prioritize protein at every meal and protect your recovery. “Eating well and exercising means nothing if you don’t give your body time to properly digest food, rebuild muscle and release stress.”

Image / Nicole Winhoffer

Nicole Winhoffer (@nicolewinhoffer), founder of the NW Method, has watched GLP-1s change not only her clients’ bodies, but also their relationship with movement. The risks she highlights are both physical and behavioral, particularly when medication replaces lifestyle habits. “For some individuals, GLP-1s can work best when paired with natural long-term habits around nutrition, movement and overall wellness.” But, she’s also seen something more encouraging: clients who feel better in their bodies showing up differently in the studio. “I would encourage anyone on a GLP-1 to incorporate dance into their routine. Dancing is a great way to improve self-esteem and build confidence in both social settings and personal style.”

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