HSA / FSA Eligible

Pay Less.
Heal More.

Your Health Savings Account and Flexible Spending Account can be used to purchase a sauna — saving you 30–40% with pre-tax dollars. We make the process effortless.

See How It Works Save up to 40% with pre-tax dollars

The Basics

What are HSA & FSA accounts?

Health Savings Accounts and Flexible Spending Accounts let you set aside pre-tax income for qualified medical expenses — meaning every dollar you spend goes further.

HSA

Health Savings Account

Paired with a high-deductible health plan (HDHP), your HSA funds roll over year to year. Contributions are tax-deductible, growth is tax-free, and withdrawals for qualified expenses are tax-free. Triple tax advantage.

$4,150 2024 individual contribution limit
FSA

Flexible Spending Account

An employer-sponsored benefit that lets you set aside pre-tax dollars for qualified medical expenses. FSA funds are available immediately at the start of the plan year, giving you purchasing power upfront.

$3,200 2024 individual contribution limit

Eligibility

Can I buy a sauna with HSA/FSA?

Yes — with a Letter of Medical Necessity. Since saunas are now widely recognized as powerful therapeutic tools for chronic pain, cardiovascular health, and mental wellness, healthcare providers are increasingly issuing LMNs to qualify sauna purchases as a legitimate medical expense.

Chronic Pain & Inflammation

Infrared heat therapy is clinically recognized for reducing joint pain, muscle soreness, and inflammatory conditions.

Cardiovascular Health

Regular sauna use mimics moderate cardiovascular exercise, improving circulation, lowering blood pressure, and reducing cardiac risk.

Mental Health & Stress

Heat therapy activates endorphins and supports treatment for anxiety, depression, and stress-related disorders.

Save 30–40%
Yes, it's eligible

Your sauna purchase
can qualify as a
medical expense

With a Letter of Medical Necessity from your doctor, your HSA or FSA can cover your entire sauna purchase — turning a wellness investment into a tax-advantaged medical expense.

Letter of Medical Necessity (LMN)

A signed document from your healthcare provider confirming that your sauna purchase is medically necessary for your treatment or condition.

Process

How it works — 4 simple steps

From choosing your sauna to receiving your reimbursement, the entire process is straightforward and supported by our concierge team.

01

Request Your LMN

Ask your doctor, chiropractor, or naturopath for a Letter of Medical Necessity. Most providers are familiar with this process — it typically takes 1–3 business days.

02

Choose Your Sauna

Browse our full catalog of premium infrared, traditional, barrel, and outdoor saunas. Our concierge team can help match you with the ideal model for your health goals and space.

03

Pay with HSA/FSA Card

Complete your purchase using your HSA or FSA debit card at checkout. Your pre-tax dollars cover the full cost — no reimbursement form needed if your card is accepted directly.

04

Submit for Reimbursement

If paying with a regular card, submit your receipt and LMN to your HSA/FSA provider for reimbursement. Funds are typically returned within 5–10 business days.

Savings Calculator

Estimated Monthly Savings

$1,890/yr
Sauna Price $6,300
Your Tax Bracket 30%
You save $1,890

* Estimated based on pre-tax dollars. Actual savings depend on your tax situation.

Turn your wellness investment into a tax advantage

Most Canadians and Americans in the 25–40% tax bracket save thousands of dollars by using pre-tax HSA or FSA funds for their sauna purchase. It's one of the smartest financial moves you can make for your health.

Our concierge team is available 24/7 to walk you through the entire process — from obtaining your LMN to submitting your reimbursement.

30–40%
Average pre-tax savings
1–3
Days to get your LMN
24/7
Concierge support

FAQ

Frequently asked questions

Yes. While saunas are not automatically FSA/HSA eligible, they qualify as a medical expense when accompanied by a Letter of Medical Necessity (LMN) from a licensed healthcare provider. With an LMN, your sauna purchase is treated the same as any other medical equipment.
Ask your primary care doctor, chiropractor, naturopath, or any licensed healthcare provider. Explain your health condition and how regular sauna use will support your treatment. Most providers are familiar with LMNs — if your current doctor is unfamiliar, our team can connect you with telehealth providers who specialize in issuing LMNs for wellness equipment.
Common qualifying conditions include: chronic pain, fibromyalgia, arthritis, cardiovascular disease, hypertension, muscle tension, anxiety, depression, insomnia, post-surgical recovery, and sports injuries. If you have a condition where heat therapy provides therapeutic benefit, you likely qualify. Your healthcare provider makes the final determination.
Your savings depend on your tax bracket and sauna price. On a $6,500 sauna at a 30% effective tax rate, you'd save approximately $1,950 in taxes. On a $15,000 model at 35%, your savings exceed $5,000. Use our calculator above to estimate your specific savings.
Both work. HSAs are generally more flexible since unused funds roll over year to year with no expiry — ideal for a large purchase. FSAs have use-it-or-lose-it rules but funds are available immediately at the start of the plan year. If you have both, an HSA is usually the better choice for a sauna purchase due to its flexibility and higher contribution limits.
Yes. Cold plunge tubs can also qualify as medical equipment with an LMN. Cold water immersion therapy is recognized for treating inflammation, sports recovery, depression, and immune function. The same process applies — obtain an LMN from your provider and use your HSA/FSA funds at checkout.

Ready to save?

Start your HSA/FSA journey today

Our concierge team will guide you through every step — from getting your Letter of Medical Necessity to completing your purchase with pre-tax dollars.

Shop Saunas Talk to a Specialist