An increasing number of people are discovering the benefits of a cold plunge. This practice, which involves immersing yourself in cold water for very brief periods, may help reduce inflammation, provide relief from aches and pains, and more.
If you’re considering adding a cold plunge tub to your wellness routine, your Health Savings Account (HSA) or Flexible Spending Account (FSA) might be the key to making it more affordable. These accounts allow you to use pre-tax funds for medical expenses, and with the right documentation, a cold plunge tub can qualify. Let’s explore how to take advantage of this option and its benefits.
Can You Use a HSA for a Cold Plunge Tub Purchase?
An HSA is a savings account for people with high-deductible health plans that lets you set aside pre-tax dollars for healthcare expenses. FSAs, which are offered by employers, work similarly. Employees can contribute pre-tax earnings for qualified medical costs during the plan year.
Cold Plunge HSA Eligibility
So, can you use a HSA to buy a cold plunge tub? Yes — if it’s deemed medically necessary. This means your healthcare provider must determine that a cold plunge tub is essential for managing a medical condition, such as chronic pain and arthritis.
Is a Cold Plunge FSA Eligible?
Yes, FSA funds can also cover a cold plunge tub. However, to ensure your cold plunge is FSA-eligible, you must have a healthcare provider’s LMN and confirmation from your FSA administrator that the expense is eligible under your plan.
How a Cold Plunge Tub Can Boost Your Wellness Routine
The potential benefits make a cold plunge tub a practical choice, especially when you can use HSA or FSA funds to offset the cost. Submerging yourself in cold water for 30 seconds to a few minutes is a natural way to promote physical, mental and functional health.
The following are some potential benefits of a cold plunge:
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Reduces Inflammation: Cold water immersion helps decrease swelling and muscle soreness, especially after exercise. This makes it a great option for people managing chronic conditions like arthritis as well as those who often experience delayed onset muscle soreness (DOMs) after exercising.
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Boosts Circulation: The cold triggers your body to increase blood flow, promoting cardiovascular health and faster recovery.
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Supports Mental Health: Many people find that cold therapy reduces stress and improves their mood. The quick bursts of cold water can trigger endorphin release, leaving you feeling refreshed.
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Strengthened Immune System: Cold exposure has been shown to boost white blood cell production, which plays an important role in defending the body against illness. Over time, regular cold plunges can help support a stronger immune response.
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Improved Sleep Quality: Many users sleep better after a cold plunge session. The drop in core body temperature signals to your brain that it’s time to rest, promoting deeper and more restorative sleep.
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Pain Management: For those dealing with chronic pain, such as individuals with fibromyalgia or joint discomfort, cold therapy can provide temporary relief. It does so by numbing nerve endings and reducing swelling.
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Enhanced Athletic Recovery: Athletes and fitness enthusiasts often use cold therapy to speed up recovery times. By reducing lactic acid buildup and inflammation, cold plunging helps the body bounce back faster after intense workouts.
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Mental Resilience: The initial cold water shock trains your body and mind to adapt to discomfort. Many people find that this practice translates into greater emotional strength and a more focused mindset in daily life.
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Weight Management Support: Cold exposure activates brown fat, a type of fat that helps the body burn calories for heat. While more research is needed on cold plunges’ impact on weight loss, regular dips in a cold plunge tub can complement a healthy lifestyle.
Why Use HSA or FSA Funds to Buy a Cold Plunge Tub Instead of Paying Out of Pocket?
Using HSA or FSA funds to purchase a cold plunge tub can make it significantly more affordable compared to traditional payment methods like cash or credit cards. Here’s how:
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Tax Savings: Both HSAs and FSAs allow you to use pre-tax dollars, reducing your taxable income. This can translate to effective savings of 30-40%, depending on your tax bracket.
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Reduced Financial Burden: By using pre-tax funds, you’re essentially stretching your money further, making it easier to afford the investment without dipping into your personal savings or taking on credit card debt.
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Simplified Payments: Some providers, like Fire Cold Plunge, accept HSA/FSA cards directly, making the process easy and hassle-free.
Can You Use an HSA to Buy a Cold Plunge Tub Online?
You don’t have to go to a physical store to purchase a cold plunge tub using your HSA or FSA funds. Through our partnership with Truemed, Fire Cold Plunge makes it easy for our customers to order their cold plunge tubs online and pay for them with HSA or FSA funds.
Discover Fire Cold Plunge: Quality and Innovation in Cold Plunge Tubs
Fire Cold Plunge is a purpose-driven small business passionate about sharing the benefits of cold plunges to others.
We’ve designed and built aesthetically pleasing and highly functional cold plunge tubs that cost much less than tubs from other brands to make them more accessible. The following are some of the many features that set our tubs apart:
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Made in the U.S.
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Cools to 33°F for optimal cold therapy
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100% Leak-Free Guarantee
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Quiet operation, similar to a modern refrigerator
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Energy-efficient
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Space-saving designs
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One to five-year warranty options
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1% of profits support the Cold Plunge Teen Program
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U.S.-based customer service with 5-star ratings
We also offer accessories to elevate your cold plunge experience. These include the following:
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Waterproof Outdoor Case: Protect your tub from the elements with this highly durable and waterproof case.
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3-Month Maintenance Kit: Keep your tub water fresher and cleaner without the use of harmful chemicals with this three-month kit.
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Bamboo Floormat: Crafted from natural bamboo, this floormat is a stylish addition.
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Child Safety Lock: Lock your tub when not in use to keep little ones out of harm’s way.
Our setup guides and customer support ensure a smooth process from delivery to installation, so you can focus on enjoying the benefits of your new Fire Cold Plunge tub
Can You Use HSA for a Cold Plunge Tub Purchase From Fire Cold Plunge?
Purchasing your cold plunge tub with HSA/FSA funds is quick and secure. Here’s how to do it:
Talk to Your Doctor
Schedule a consultation with your healthcare provider to discuss whether a cold plunge tub is suitable for your needs. If it’s medically necessary, ask for a Letter of Medical Necessity (LMN).
Choose Your Tub
Visit the Fire Cold Plunge website and browse our range of tubs. Then, choose the accessories you want. Whether you’re looking for a simple, no-frills model or a tub with extra features, you’ll find a variety of options to suit your space and budget in our online store.
Complete Your Purchase
Add the tub and accessories you want to your cart. Then, follow these steps:
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Checkout as a guest. Fill out the form with your contact information and address
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Fill out the form with your contact information and delivery address
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In the payment method dropdown, choose "Truemed - Pay with HSA/FSA".
Transform Your Wellness Routine With a Top-quality Cold Plunge Tub
By using HSA or FSA funds, you can make your purchase of a cold plunge tub more affordable while enjoying the long-term benefits of cold therapy. Explore Fire Cold Plunge’s range of ready-to-purchase tubs, and don’t forget to check out our accessories and maintenance items to complete your setup. For inquiries, please don’t hesitate to give us a call at (361) 209-732. You can also send us a message, and we’ll reach out to you as soon as possible.
