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Affordable Online Personal Training: Funding Options for Your Fitness Journey | Emma Mattison

Updated: Jul 20, 2023

by Emma Mattison – NASM, CPT, CNC, and Functional Aging Specialist

Ecstatic older adult surrounded by funds for online personal training

Hello, everyone! I’m Emma Mattison, a functional aging specialist and a NASM-certified personal trainer and nutrition coach. Over the years, I've had many clients ask me how they can afford personal training, especially online sessions, which have become the new norm. Today, I'm here to share some creative and helpful ways you could fund your online personal training, from government-funded programs to employee benefits like Flexible Spending Accounts (FSA).

Creative Funding Ideas

  1. Flexible Spending Accounts (FSA): As I mentioned earlier, FSAs are employer-sponsored programs that let you set aside pre-tax dollars for health-related expenses. Under certain conditions, your online personal training could be covered. The key is to have a Letter of Medical Necessity (LMN) from your healthcare professional indicating that the online training is essential for treating a specific health condition. Always consult with your FSA administrator to confirm what is covered under your specific plan.

  2. Health Savings Accounts (HSA): Like an FSA, an HSA allows you to contribute pre-tax dollars towards medical expenses if you have a high-deductible health plan. HSAs also require an LMN to use the funds for online personal training. Unlike FSAs, unused HSA funds roll over annually and can even earn interest.

  3. Government Programs: If you're over 65, Medicare may cover some of the costs associated with personal training, particularly if it’s necessary to manage a health condition. Programs like Medicaid might offer similar assistance. Moreover, you could be eligible for other health-focused government programs depending on your state and circumstances. Always check with your state's health department for further information.

  4. Workplace Wellness Programs: Many companies are now investing in the health of their employees by implementing wellness programs. These often include subsidies or reimbursements for gym memberships or personal training sessions. It’s worth checking if your employer offers such benefits.

  5. Insurance Reimbursements: Numerous health insurance plans offer benefits or provide reimbursement for fitness programs or personal training. The focus on preventive health has grown in recent years, leading many insurance companies to incentivize members to stay fit and healthy. Here are a few insurance companies that encourage their policyholders to stay active:

    • UnitedHealthcare: Offers a program called 'Sweat Equity' that provides benefits to policyholders who engage in regular physical activity.

    • Blue Cross Blue Shield: Many of their regional entities offer wellness programs that encourage and incentivize physical activity.

    • Aetna: Their 'Healthy Actions' program rewards policyholders for taking steps towards better health, which can include personal training.

    • Cigna: Their 'Healthy Rewards' program offers discounts on various health and wellness programs, including fitness center memberships.

    • Humana: Humana’s 'Go365' is a wellness rewards program that gives members points for activities like workouts, which can be redeemed for rewards.

    • Each of these programs has its own requirements and benefits, so be sure to check with your insurance provider to understand what is available to you.

6. Payment Plans and Packages: Most online personal trainers, myself included, understand that cost can be a barrier for many people. As such, many of us offer payment plans or package deals that lower the per-session cost of training. These packages make the training more affordable and incentivize commitment to the program.

7. Community and Non-Profit Programs: In some communities, local non-profit organizations or foundations may offer grants or subsidies for people looking to improve their health but lack the resources to do so. Research organizations in your area to see if this is an option.

8. Crowdfunding: While not the most conventional means, crowdfunding platforms like GoFundMe can be an option if you're comfortable sharing your fitness journey and goals with others. This method can help you raise funds while building a supportive community around your fitness goals.


In conclusion, while online personal training can seem expensive at first glance, remember that it is an investment in your health and longevity. And as I've outlined, numerous strategies and resources are available to help make it more affordable. So explore these options, and take the first step towards a healthier, happier you.

Stay fit, stay healthy, and remember – age is just a number!

Now that you know the many options available to fund your personal training, why not take the next step toward a healthier you? I invite you to schedule a free 15-minute consultation with me to explore how personal training can fit into your lifestyle and your budget. Whether you're just starting your fitness journey or looking for new ways to challenge yourself, I'm here to help. Let's make your health a priority together.

Get started today with a free 15-minute consultation, and let's embark on your journey to better health and fitness!

Book Your Free 15-Minute Phone Consultation with Emma Mattison!

If you're ready to take your fitness to the next level, schedule a free 15-minute phone consultation with me, Emma Mattison. During this consultation, we can discuss your fitness goals, assess your current fitness level, and create a personalized plan to help you improve your fitness and functional health.

Image of Emma Mattison, a highly qualified online personal trainer, functional aging specialist, certified trainer and nutrition coach through NASM and FAI, and a skilled Tai Chi and Dance instructor.

But that's not all! As a special offer, I'm providing a free functional fitness course to jumpstart your journey. This course will introduce you to various exercises and training techniques to enhance your overall functional fitness and complement your aerobic base training.

Invest in yourself today and experience the transformative power of improving your aerobic base. Take the first step by scheduling your free consultation and claiming your free functional fitness course. Let's work together to achieve your fitness goals and unlock your full potential!

At-Home Fitness Fun for Older Adults: Energetic Older Man Embracing Online Workout with Emma Mattison for a Healthy and Active Lifestyle

Please note: The information provided in this article is for educational purposes only and does not substitute professional medical advice. Consult with your healthcare provider or a certified fitness professional before starting any new exercise program.

Schedule your FREE 15-Minute Phone Consultation and claim your FREE Functional Fitness Course with Emma Mattison! Click here to book now!

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About the Author

Image of Emma Mattison, a highly qualified online personal trainer, functional aging specialist, certified trainer and nutrition coach through NASM and FAI, and a skilled Tai Chi and Dance instructor.

Hi! I'm Emma Mattison. I'm a NASM certified personal trainer, nutrition coach, stretch & flexibility coach, pranayama breathwork guide, holistic nerd, and lover of birds & music! I specialize in functional fitness for older adults, and those with conditions such as fibromyalgia, arthritis, and multiple sclerosis. Scientific literature is fun to me, and my goal is to make it understandable and fun for you!

I am driven to share knowledge I find fascinating & transformative with my clients, and the world. Everyone has the power to take their health into their own hands!

My love for fitness and true discovery of health started with helping my best friend – who I can now call my husband! Today, I couldn't do any of this as smoothly and enjoyably as I do now without him! Check out our YouTube, MyZeniverse! He literally edits and films everything. He's editing the next YouTube video next to me right now, as we speak! Check it out, and give it a like if it's helpful! 😊😊

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