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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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I’m a fitness writer and these are the 44 best deals I’ve found in the Amazon Big Spring Sale

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I’m a fitness writer and these are the 44 best deals I’ve found in the Amazon Big Spring Sale

Lou Mudge is a Health Writer at Future Plc, working across Fit&Well and Coach. She previously worked for Live Science, and regularly writes for Space.com and Pet’s Radar. Based in Bath, UK, she has a passion for food, nutrition and health and is eager to demystify diet culture in order to make health and fitness accessible to everybody.

Multiple diagnoses in her early twenties sparked an interest in the gut-brain axis and the impact that diet and exercise can have on both physical and mental health. She was put on the FODMAP elimination diet during this time and learned to adapt recipes to fit these parameters, while retaining core flavors and textures, and now enjoys cooking for gut health.

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Exercise scientist reveals the strength training mistake many women make, even after lifting for years

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Exercise scientist reveals the strength training mistake many women make, even after lifting for years

Wondering how much weight you should be lifting in the gym to build strength? Dr Stacy Sims says that not going heavy enough could be the biggest mistake women are making in their workouts.

What strength training looks like might differ (for example, some prefer callisthenics over classic weight training) for some, but one thing is clear – it needs to be a challenge.

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Jogging 101: Benefits for Your Body and Mind

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Jogging 101: Benefits for Your Body and Mind

Walking and running share a number of benefits — but what about that sweet middle ground between the two?

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“Jogging is about creating a steady pace,” says sports and exercise medicine specialist Leonardo Oliveira, MD. “Instead of focusing on speed, you’re focused more on endurance with good, quality steps.”

Before your next jaunt, Dr. Oliveira shares the many benefits of jogging and how it can help improve your overall health and wellness.

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9 benefits of jogging

Unlike running, where you’re focused on targeting different heart rate zones, jogging involves keeping a more stable and persistent pace. If you’re jogging at a moderate intensity, for example, your target heart rate will usually fall into zone 2, at 60% to 70% of your max heart rate.

“When you’re jogging, you should be able to carry on a conversation as you breathe through your nose,” says Dr. Oliveira. “If you’re doing just 15 minutes of jogging three times a week, you’re already going to notice the benefits.”

Here’s how you can benefit from jogging.

1. Reduces stress

Jogging, like other exercises, can help decrease your stress levels. As an aerobic exercise, it helps release endorphins, which can boost your mood and create feelings of euphoria or satisfaction. Not only does it provide an outlet for pent-up energy, but jogging outside also allows you to spend more time in nature, which provides even more mental health benefits.

“Research shows exercise can be as effective as medication when treating depression because of its wide-ranging benefits,” says Dr. Oliveira.

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2. Burns calories

Jogging is a full-body exercise that offers a higher calorie burn than some other aerobic exercises. According to the widely used Compendium of Physical Activities, jogging burns about 7.5 calories per kilogram of body weight each hour. That means you can burn about:

  • 8 times as many calories as sitting quietly
  • 4 times as many calories as walking
  • 2.6 times as many calories as stationary cycling

“Jogging will burn more calories in a shorter period of time than cycling, especially if you’re not used to exercising,” reports Dr. Oliveira.

3. Improves insulin resistance and boosts metabolism

Insulin resistance is one of the biggest barriers to having a healthy metabolism. Insulin helps your body break down glucose for energy. But if your body can’t do that, your metabolism slows down, leading to:

  • Lower energy levels
  • Weight gain
  • An inability to burn fat

“Exercising at higher intensities helps increase metabolism and insulin resistance,” says Dr. Oliveira. “But researchers have also found that even lower-intensity exercises, like jogging, for longer periods of time can have the same effect.”

4. Strengthens your heart

Jogging also has positive impacts on your heart and its ability to pump blood to the rest of your body. That’s because it contributes to hypertrophy, or the strengthening of your heart’s muscle tissues.

“As you develop endurance, the amount of blood in one pump increases,” explains Dr. Oliveira. “When your heart gets stronger, it contracts more efficiently, which decreases your resting heart rate.”

5. Improves lung expansion and gas exchange

The more you work on building endurance and stamina, the more likely it is that you’ll improve your overall ability to breathe — both at rest and while jogging.

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“Consistent aerobic exercise helps your lungs get stronger and more efficient,” says Dr. Oliveira. “Over time, you won’t need to breathe as often because each breath brings in more oxygen than before.”

6. Activates muscles

Jogging activates major muscle groups, including your:

  • Quads
  • Hamstrings
  • Glutes
  • Core
  • Back

“Strength training is a good complement to jogging because it can help strengthen all the areas of your body,” says Dr. Oliveira. “This can help you handle longer distances.”

7. Reduces stiffness

“Jogging is one of those activities where once you get going, you start to feel better,” notes Dr. Oliveira. “It’s an exercise that helps warm up your muscles and lubricate your joints, which can help with the overall sense of stiffness that comes with age.”

That said, jogging is still a high-impact exercise because it forces you to bear down weight as your feet hit the pavement. Consider working with a physical therapist or athletic trainer to reduce the risk of further injury if you:

  • Have arthritis
  • Have an active injury
  • Had previous sprains or fractures in your lower body

8. Improves endurance

“The more you jog, the more you’ll increase your functional aerobic capacity,” says Dr. Oliveira. “Someone who jogs regularly will have better physical fitness that will help them last longer on a bike or a walk than someone who’s just getting started.”

Your ability to breathe and move also extends to other daily activities that demand cardiovascular strength and endurance, like climbing stairs.

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9. Provides better quality of life and other mental health benefits

Research shows that any amount of jogging — even just once a week — can improve your quality of life and lower your risk of dying from cancer and cardiovascular-related issues.

“Jogging is a great form of exercise, but it’s not the only one,” notes Dr. Oliveira. “The most important thing is to work on being healthy and strong. And for a lot of people, if you’re looking to advance your physical fitness, jogging is a good place to start.”

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