Can My HSA/FSA Cover an Infrared Sauna?
Can My HSA/FSA Cover an Infrared Sauna?
If you’re wondering whether you can use your HSA or FSA to cover an infrared sauna, you’re not alone. Many people are curious about how these wellness options fit into their health savings accounts. Let’s break it down so you can make the most of your health funds while taking care of yourself.
Understanding HSAs and FSAs: What Are They All About?
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are awesome tools that let you save money on healthcare expenses. HSAs are for people with high-deductible health plans (HDHPs) and let you save pre-tax dollars. These funds grow tax-free, and as long as they’re used for qualified medical expenses, they stay tax-free. FSAs are similar but are usually offered by your employer and come with a “use-it-or-lose-it” rule, so be sure to use those funds by the end of the year!
Both accounts can help with costs like doctor visits, medications, and more, but not everything is covered. To get the most out of your funds, it’s important to know what expenses are eligible. The better you understand the rules, the easier it is to make the most of these savings.
And here's where Truemed comes in. Many people don’t realize that items like supplements, fitness equipment, red light therapy, cold plunges, health-tech, and even sleep tools and yes, infrared saunas, can actually qualify for HSA/FSA reimbursement when they’re tied to a specific health need. Truemed simplifies the process by helping you obtain a Letter of Medical Necessity, allowing you to use your HSA/FSA funds directly at checkout.
What is an Infrared Sauna, and How Does It Benefit Your Health?
Infrared saunas are the modern spin on a traditional sauna, using infrared heaters to provide heat that directly targets your body. Unlike regular saunas, which heat up the air around you, infrared saunas penetrate your skin more deeply, making you sweat at lower temperatures. It’s a relaxing experience, and some people swear by the health benefits.
So, what’s the hype? Infrared saunas are known to help with:
- Chronic pain or joint stiffness (e.g. arthritis, fibromyalgia)
- Muscle recovery or injury rehab
- High stress levels or poor sleep
- Circulatory issues or heart health
- Blood sugar regulation or metabolic health
- Inflammatory conditions
If you’re using an infrared sauna for a specific medical condition, Truemed can help you make your purchase HSA/FSA-eligible. By obtaining a simple doctor’s recommendation through Truemed, your sauna investment may be considered a qualifying health expense.
Top Brands for Infrared Sauna That Are HSA/FSA Eligible Through Truemed
If you're ready to purchase an infrared sauna with HSA or FSA funds, Truemed partners with a wide range of reputable brands to bring you approved options, including:
And more, see the full list here.
Whether you're looking to build a home wellness sanctuary, upgrade your recovery setup, or take proactive steps to support heart health or chronic pain relief, Truemed lets you apply your HSA/FSA funds to approved brands, making the purchase more affordable while maximizing your benefits.
Can My HSA/FSA Cover an Infrared Sauna?
Infrared saunas have exploded in popularity in recent years—and for good reason. From reducing inflammation and supporting detoxification to improving sleep and cardiovascular health, the potential benefits are wide-ranging. But many people don’t realize that these powerful recovery tools might also be eligible for HSA/FSA spending—making them more affordable than you think.
Let’s break it down.
Why Infrared Saunas Are More Than Just "Wellness"
Infrared saunas go beyond the traditional spa experience. Instead of heating the air, they use infrared light to gently raise your core body temperature—triggering therapeutic effects at the cellular level.
Research has shown infrared sauna use may:
- Support cardiovascular health
- Reduce chronic pain and inflammation
- Improve sleep quality
- Aid in recovery and muscle soreness
- Enhance metabolic and insulin function
- Reduce stress and support parasympathetic nervous system activation
In other words, they’re not just “nice to have”—they’re a real tool for preventing and reversing chronic disease.
Can You Use HSA/FSA Funds to Buy an Infrared Sauna?
Yes—if it’s deemed medically necessary.
The IRS states that in order for a product to be eligible for HSA/FSA spending, it must be primarily used to treat or prevent a specific medical condition. That’s where Truemed comes in.
We partner with licensed medical providers who review your health history and—if appropriate—can issue a Letter of Medical Necessity for a product like an infrared sauna. That letter allows you to pay for the sauna directly with your HSA/FSA card, no reimbursement necessary.
What Conditions Might Qualify?
You may be eligible if you’re using infrared sauna therapy to manage or improve:
- Chronic pain or joint stiffness (e.g. arthritis, fibromyalgia)
- Muscle recovery or injury rehab
- High stress levels or poor sleep
- Circulatory issues or heart health
- Blood sugar regulation or metabolic health
- Inflammatory conditions
Of course, eligibility is determined on a case-by-case basis by a medical provider—but these are some of the most common use cases we see approved.
How Truemed Makes It Easy
Here’s how it works:
- Choose your sauna from a brand partnered with Truemed.
- Fill out a quick intake form during checkout or post-purchase.
- Get a Letter of Medical Necessity issued by a licensed provider if you're eligible.
- Pay with your HSA/FSA card or split the payment between your HSA?FSA and a regular credit card.
No chasing down paperwork. No reimbursement confusion. We handle the eligibility side so you can focus on your health.