Save on Health and Fitness Items
If you’ve been setting aside money in an HSA or FSA all year, Black Friday is one of the smartest times to spend it. Not only is the clock ticking on many FSA accounts (which expire at the end of the year), but we’re seeing major savings on genuinely useful health and wellness products from brands that accept HSA/FSA payment. That means you can use your pre-tax dollars to score deals on everything from smart rings to acne-fighting skincare.
You can generally use your HSA/FSA on anything considered medically necessary — products that help diagnose, treat, prevent, or manage a health condition. It also includes first-aid supplies, menstrual care products, sunscreen, skincare for acne or eczema, and even certain fitness wearables. This sale season, we’re already seeing big discounts at some of the best places to buy glasses online using insurance and contacts, as well as 30% off the Oura Ring 4, the best smart ring we’ve tested, and $100 off one of our favorite red light therapy masks, the Therabody TheraFace Mask.
While select wellness brands accept HSA/FSA payment directly at checkout, HSA Store and FSA Store are two of the best websites to shop without any hassle.
One note: There’s a big category of items classified as “personal care” rather than medical necessities — electric toothbrushes, fitness trackers, vitamins, and supplements — that your doctor can write you a Letter of Medical Necessity (LMN) for, and your insurance will then reimburse you for the purchase. If you’re eyeing something like a fancy air purifier to help with your allergies, it’s worth looking into (check out our best Black Friday deals page for some great snags).
Below, we’ve rounded up the best HSA/FSA Black Friday deals on eligible products that don’t require a doctor’s note — and yes, we confirmed the eligibility of all the retailers included on our list.
For more shopping tips, check out our roundup of the best Black Friday deals our team has found so far.
Best FSA/HSA-eligible health deals
Some of the most practical ways to use your FSA or HSA money are also the least glamorous, which makes Black Friday the perfect time to grab those essentials at a discount.
Just remember: There are plenty of health products that the IRS considers “personal care items,” but that you can get reimbursed for if you obtain a Letter of Medical Necessity (LMN) from your doc or dentist. This includes some of the best air purifiers, electric toothbrushes, and certain supplements.
What is included: Health tools such as OTC medications, first-aid kits, COVID-19 tests, blood pressure monitors, and even health-supporting foods like Bōndia Bone Health Capsules. Some brands, like Canopy (a humidifier and air purifier maker), also accept HSA/FSA directly at checkout. Big or small, these are the health tools worth stocking up on while they’re marked down.
Best FSA/HSA-eligible skincare deals
Skincare is one of the most surprising categories you can spend HSA/FSA money on — especially if your routine includes products that treat acne, calm eczema, or — as everyone should — protect against sun damage.
This includes salicylic acid cleansers, scar treatments, and science-backed SPF from brands like La Roche-Posa, Medik8, and Supergoop. Plus, devices like red light therapy masks and wands — scientifically shown to help treat acne, skin discoloration, and fine lines — are often covered. While aesthetic products don’t count, if it’s designed to treat a skin condition, there’s a good chance it qualifies.
And this year, we’re seeing big markdowns at Dermstore, Sephora, and Ulta, in addition to many brand websites, like Solawave’s Buy 1 Get 1 Free promo.
Therabody TheraFace Mask
The TheraFace Mask is easily one of — if not THE — best at-home LED masks on the market. It delivers red, red and infrared, and blue light therapy with nearly 650 powerful lights for full face and neck coverage in just nine minutes. It’s designed with a hinged front for added comfort and built-in vibration therapy at the scalp and forehead for enhanced relaxation. While it’s a splurge, the high light density, advanced features, and quality brand reputation make it a very worthy splurge.
Dr. Dennis Gross DRx SpectraLite FaceWare Pro LED Device
Our runner-up pick for the best red light therapy mask, the DRx SpectraLite FaceWare Pro delivers four types of light therapy — red, blue, amber, and near-infrared — in just three minutes. It’s the most lightweight and breathable mask we tested, with smart cutouts that maintain coverage over key fine-line areas like outside the eyes and mouth. While it doesn’t include neck coverage, its contoured fit and short treatment time make it a great choice for people who value convenience and quality above all.
Best FSA/HSA-eligible vision deals
If you wear glasses or contacts, this is one of the easiest ways to use up leftover FSA or HSA funds before the deadline.
Prescription eyewear is fully covered, and that includes designer frames, daily contacts, and even prescription sunglasses. Retailers like Warby Parker, LensCrafters, EyeBuyDirect, and Zenni all accept HSA/FSA, and many are offering sitewide Black Friday discounts right now. GlassesUSA, for example, is running 30-40% of name-brand and designer eyewear, including Ray-Ban, Oakley, Costa Del Mar, Versace, and Coach. Meanwhile, 1-800-Contacts has 20% off orders for Black Friday.
Read our full guide on where to buy glasses online using insurance for an in-depth list of top-tested sites that accept HSA/FSA for eyewear.
Best FSA/HSA-eligible personalized health deals
One of the smartest ways to use your FSA or HSA is to invest in health services you wouldn’t normally get through your primary care provider. Platforms like InsideTracker now offer comprehensive blood panel insights — either as one-time purchases or an ongoing subscription. Their science-backed tools will deliver personalized insights into everything from heart health to inflammation levels to gut health, plus long-term strategies to optimize your health and longevity.
Many of these services are HSA/FSA-eligible and rarely go on sale, but right now, you can save 50% on all blood tests at InsideTracker.
Best FSA/HSA-eligible recovery and pain relief deals
If you’re dealing with chronic pain, muscle soreness, or post-injury rehab, your HSA or FSA can go a long way toward making recovery more manageable—and comfortable.
Therabody and Hyperice, two of our favorite recovery tech brands, accept HSA/FSA payment for many of its massage guns, compression boots, and heated therapy masks. (We particularly love the new Theragin Mini Plus with its heat-enhanced percussive therapy, currently $40 off.) You’ll also find cold plunges (hydrotherapy), trigger point therapy devices, and inflammation-fighting red light therapy mats deeply discounted this Black Friday — and fully eligible without a doctor’s note.
Therabody Theragun Mini
Therabody’s Theragun Mini (third generation) is a portable massager that packs a percussive punch in a much smaller package, making it ideal for travel.
Theragun Pro
The Theragun Pro is a powerful, customizable, and durable massager that’s worth every bit of its price tag.
Best FSA/HSA-eligible health and fitness wearables deals
Fitness trackers and health wearables are some of the most exciting — and often overlooked — ways to spend your HSA or FSA money.
Keep in mind a lot of the best fitness trackers like Garmin and Fitbit are eligible for reimbursement if you obtain a LMN from your doctor or fill out a quick health assessment on the brand’s website.
But many of our favorite health-enhancing wearables, including the best smart ring we’ve tested, the Oura Ring 4, smart scales, and heart rate monitors are already HSA/FSA eligible — and on sale for Black Friday. Of note: the Whoop MG Life membership, which includes a medically-advanced fitness and heart-health tracker and provides insights into your longevity, is currently $60 off.
Oura Ring 4
The Oura Ring is one of the most well-respected of the original smart ring brands and a great option for fitness fans who want to avoid bulky smartwatches. We particularly like it as an unobtrusive option for sleep tracking.
FAQs
Should I use my FSA/HSA dollars during Black Friday?
Yes, Black Friday is one of the best times to use your FSA/HSA dollars since we see deep discounts on eligible health, wellness, and medical products and your FSA money disappears after the year-end deadline.
Where can I spend my FSA/HSA dollars?
More places than you think. Many health-focused brands accept HSA/FSA as payment for eligible items directly on their site, and many major retailers like Amazon, Target, Sephora, and CVS all have HSA/FSA-eligible pages on their sites as well.
What are the best items to buy using FSA/HSA dollars?
The best items to buy with your FSA/HSA funds are items that will improve your health in some way, including a smart ring to track your biometrics, prescription glasses to help you see better, or pain-relieving tools like massage guns or red light therapy panels. It’s really about what improves you need in your life and body.
Shopping for more discounts today? Check out more of our Black Friday coverage.
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