HSA and FSA
Pay for your sauna with pre-tax dollars.
Your New Primitive sauna may qualify for your health savings or flexible spending account. Depending on your tax rate, that can cut what it really costs you by about a third.
The math
Why pre-tax money goes further.
HSA and FSA accounts hold money taken from your paycheck before income and payroll taxes. Pay from your bank account and taxes come out first. Pay from one of these accounts and the full amount goes to your sauna.
From your bank account
You earn$100
Taxes at 30%−$30
Left to spend$70
From your HSA or FSA
You earn$100
TaxesNone
Left to spend$100
Why a sauna can qualify
A wellness purchase with a medical reason.
IRS rules let these accounts pay for things that treat, ease or prevent a health condition a provider has diagnosed. Something bought for general wellness does not count on its own. What connects a sauna to your health is a letter of medical necessity: a licensed provider’s written opinion that regular heat therapy may help with a condition you have.
You do not need to find that provider yourself. We work with an independent partner whose licensed providers review a short health questionnaire. If they find a fit, they write the letter and send it to you. They review you, not our saunas, and not everyone qualifies.
How it works
Three steps, built into your order.
- 01
Tell us you want to use it
Mention your HSA or FSA when you request a quote or on your design call, and we will set it up with your order.
- 02
Answer a few health questions
A licensed provider with our partner reviews your answers. If you qualify, your letter of medical necessity arrives by email.
- 03
Pay with your HSA or FSA
Use your HSA or FSA card for as much as your account allows, and pay the rest the way you normally would. Keep the letter with your records.
Good to know
Before you worry about it.
No new account
Use the HSA or FSA card your employer or bank already gave you. There is nothing to open and nothing to top up.
Mix and match
Most accounts will not cover a whole sauna, because the IRS caps what goes in each year. Pay part with your account and the rest another way.
A provider reviews you
The decision is about your health, made by a licensed provider. We never see your answers.
Every other option still works
Cards, transfers and financing all work exactly as before. This is one more way to pay, not a requirement.
FAQ
HSA and FSA questions.
What are HSA and FSA accounts?
Both hold money set aside from your paycheck before taxes for eligible health expenses. An HSA (health savings account) comes with a high-deductible health plan and its balance stays with you from year to year. An FSA (flexible spending account) is offered by employers and usually has a yearly deadline. Your employer or benefits provider can tell you which you have.
Which New Primitive saunas are eligible?
Any of them can be, from the NOOK to the Thermal Suite Designer. Eligibility depends on you and your letter of medical necessity, not on the model you choose.
What is a letter of medical necessity?
A licensed provider’s written opinion that a product may help treat a specific condition you have. Under IRS rules, it is what lets a purchase like a sauna count as a medical expense instead of general wellness.
Does a letter guarantee my plan will pay?
No. The company that runs your HSA or FSA makes that decision, and plans differ. Ask them what documentation they need, and keep your letter and receipts in case they ask.
When should I use my FSA money?
Check your plan’s dates. Many FSAs are use it or lose it at the end of the plan year, so a sauna ordered before the deadline can put money to work that would otherwise expire. HSA money generally carries over.
I do not have an HSA or FSA. Can I still benefit?
You need one of these accounts to pay with pre-tax money. Many employers offer them at open enrollment, so it is worth asking. You can always pay with any other method, including financing.
I live outside the US. Does this apply to me?
No. HSA and FSA are United States programs. Everything else about buying a New Primitive sauna works the same.
The fine print
Some purchases may count as a medical expense under IRS rules when a licensed provider documents that they treat a specific condition you have. That review is done by licensed providers through an independent partner, not by New Primitive. Not everyone qualifies, and no product is approved for anyone in advance. A letter of medical necessity does not guarantee your plan will pay; your plan administrator decides, and plans differ. New Primitive is not a tax advisor, medical provider or benefits administrator, and nothing on this page is tax, legal or medical advice. The IRS sets yearly contribution limits for these accounts and publishes them in Publication 969. Ask your plan administrator about your account and a tax professional about your taxes.
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