The end of the year is fast approaching, meaning one thing: it’s time to spend your Health Savings Account (HSA) or Flexible Spending Account (FSA) funds before they expire. Many people assume these accounts are strictly for medical expenses, but a growing number of wellness and recovery tools qualify for pre-tax purchases. This is a significant opportunity to invest in your health at a discount – up to 30% in some cases.
Here’s a curated list of top-rated products, from high-tech sleep aids to cutting-edge recovery tools, that you can buy with your HSA/FSA dollars.
Recovery and Performance Enhancement
Several brands specialize in high-performance recovery. Therabody offers products like the TheraFace Mask (a red light therapy device for skin rejuvenation) and Jet Boots Prime (compression therapy for faster muscle recovery). Hyperice is another key player; their Normatec Elite compression boots are favored by marathon runners, while the Venom 2 Back provides targeted heat and massage relief.
Beyond muscle recovery, consider tools like the Kineon Move+ Pro, a laser therapy device proven to reduce inflammation and pain in joints. Its portability makes it ideal for athletes or anyone dealing with chronic discomfort.
Sleep and Stress Reduction
Sleep is fundamental to overall health, and several HSA/FSA-eligible options can help. The Eight Sleep Pod 4 Ultra is a smart mattress that tracks sleep patterns, regulates body temperature, and provides detailed health reports. For a more accessible option, the Hatch Restore 3 combines soothing light and sound to improve sleep quality and wake you gently.
Stress management is equally important. The Plunge Cold Plunge Tub is a premium (and HSA/FSA-eligible) investment for those serious about recovery, offering benefits beyond muscle soreness, including improved energy, mood, and potentially weight loss.
Advanced Wellness Technologies
Some of the most innovative products are pushing boundaries in health optimization. Bon Charge’s PEMF Dome combines infrared heat, red light, and Pulsed Electromagnetic Field (PEMF) technology for deep tissue recovery. Their blue-light-blocking glasses can improve sleep quality, while the red light face wand delivers visible skin improvements.
The Oura Ring is another standout; its wearable sensors track sleep, activity, and even menstrual cycles, providing personalized health insights. Similarly, Viome’s Full Body Intelligence Test analyzes your gut microbiome to identify imbalances and recommend targeted interventions.
Skincare and Chemical-Free Living
Even skincare can be HSA/FSA-eligible. Solawave offers red light therapy wands and masks shown to boost collagen production and reduce wrinkles. Canopy manufactures filtered showerheads that remove harsh chemicals and minerals from tap water, improving skin and hair health.
Why This Matters
The expansion of HSA/FSA-eligible wellness products reflects a growing recognition that preventative care and proactive health management are essential. These accounts were originally designed for reactive medical expenses, but now cover tools that help you stay healthy in the first place. Failing to use these funds before the year ends is essentially leaving money on the table – money that could be invested in your long-term well-being.
Don’t delay: HSA and FSA funds do not roll over. Take advantage of these savings to upgrade your health routine and make 2026 your healthiest year yet.
