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Can I buy a Cold Plunge with an HSA?

Find out if you can use your HSA to purchase a Cold Plunge and take your health and wellness to the next level. Can I buy a Cold Plunge with an HSA?

By juliamartinsPublished about a month ago 3 min read
Can I buy a Cold Plunge with an HSA?
Photo by Robson Hatsukami Morgan on Unsplash

Thinking about taking your health and wellness to the next level with a cold plunge? You're not alone. Many people are looking into alternative medicine therapies like hydrotherapy for their benefits, including better blood flow and reduced chronic pain.

But there's always that pressing question: Can I buy a cold plunge with my Health Savings Account (HSA)?

Good news—you can use your HSA or Flexible Spending Account (FSA) funds to purchase a Cold Plunge when you meet specific criteria, including obtaining a Letter of Medical Necessity.

This blog will guide you through understanding HSA eligibility for cold plunges, how to use your HSA for this purpose, and what steps to take to make it happen seamlessly. Ready to explore further? Keep reading.

Understanding HSA Eligibility for Cold Plunges

By Jared Rice on Unsplash

Knowing the rules is the first step to finding out if you can buy a cold plunge with HSA money. You need a letter from your doctor saying it's necessary for your health.

Criteria for HSA Eligibility

You must meet certain rules to use your health savings account (HSA) for a cold plunge. First, the item should help with a medical condition or treatment. This means it can't just be for fun; it needs to make you healthier or help with a sickness.

For example, if your doctor says hydrotherapy will help your condition and prescribes a cold plunge, this counts.

A Letter of Medical Necessity from your healthcare provider turns your wellness tool into an approved expense.

Next, keep all receipts after buying a cold plunge with HSA funds. This proves you used the money correctly if anyone asks later. With partnerships like TrueMed offering savings on plunges or saunas through HSA or FSA funds, getting one becomes easier, but always check requirements first.

Requirement for a Letter of Medical Necessity (LMN)

You need a Letter of Medical Necessity (LMN) for your HSA or FSA to cover a cold plunge. A doctor must write this letter. It should say why you need cold therapy for your health. The letter must discuss your medical condition and how a cold plunge helps.

TrueMed forms help with reimbursement after buying a cold plunge or sauna with these accounts.

Getting an LMN means showing that the cold plunge is not just for fun but for treating something specific like skin issues, sports injuries, or helping burn victims heal. Once you have this letter, buy what you need and give the paperwork to TrueMed.

They work on getting some money back into your account – up to 40% savings. Not all products can be bought using these funds without proper approval.

How to Use Your HSA to Purchase a Cold Plunge

By Josine Vaes on Unsplash

If you know the steps, buying a cold plunge HSA is simple. Save money by using pre-tax dollars from your health savings account. Here’s how:

1. Check that cold plunges qualify under your HSA plan. Look for terms like "thermotherapy" and "whole-body cryotherapy."

2. Get a Letter of Medical Necessity (LMN) from your doctor. This letter must say the cold plunge is needed for a specific medical condition.

3. Partner with TrueMed to save up to 40%. They offer discounts for using HSA or FSA funds on health products.

4. Purchase your cold plunge or sauna using an HSA or FSA card, much like a regular debit card, but for medical expenses.

5. Submit the TrueMed application after buying to get reimbursed. Include receipts and the LMN.

6. Keep all paperwork. Your HSA provider might ask for proof of medical necessity and purchase.

This process uses pre-tax dollars, saving you money on taxes and making health products more affordable.


Yes, buying a cold plunge with an HSA is possible. First, get a Letter of Medical Necessity from your doctor. This letter should say why you need hydrotherapy for your health issue.

Use your HSA or FSA funds to pay for it. TrueMed can help save you up to 40%. Lastly, enjoy the benefits of ice baths at home while managing your finances smartly.

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    juliamartinsWritten by juliamartins

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