Is Red Light Therapy HSA/FSA Eligible? What to Know

It usually shows up in your inbox around this time of year: a friendly reminder that you still have money sitting in your FSA, and the clock is ticking. If you've been curious about red light therapy, this might be the nudge you've been waiting for.

Here's how HSA and FSA funds work, which Capillus red light devices are eligible, and how to use your pre-tax dollars at checkout.

The short answer: Often, yes. At capillus.com, many red light therapy devices, including laser caps, LED masks and recovery devices, can be purchased with HSA or FSA funds. Just choose Truemed at checkout and complete a short health survey. A licensed provider reviews your answers to determine eligibility.

How HSA and FSA funds work

Both accounts let you set aside pre-tax money for health expenses, which means your dollars go further. But they work a little differently.

HSA (Health Savings Account): Available if you have a high-deductible health plan. The money is yours to keep, and it rolls over from year to year.¹
FSA (Flexible Spending Account): Offered through your employer. FSA money is usually "use it or lose it," meaning unused funds may be forfeited at the end of your plan year.¹

Some employers soften that deadline. Your plan might offer a grace period of up to two and a half months into the new year, or let you carry over a limited amount (up to $680 from 2026 into 2027). Plans can offer one or the other, not both, and some offer neither.^{1, 2} Your plan administrator can tell you exactly what applies to you.

Is red light therapy HSA/FSA eligible?

It can be. HSA and FSA funds are meant for expenses that support your health, so some products need a little extra paperwork, called a Letter of Medical Necessity (LMN), to qualify.³

That's where Truemed comes in. Capillus works with Truemed to make the process simple, right at checkout. You answer a few private health questions, a licensed provider reviews them, and if you qualify, you can pay with your HSA or FSA funds.³ Customers who qualify can save an average of 30% by paying with pre-tax dollars.

How to use your HSA or FSA at Capillus

Pick your device. Browse the HSA/FSA eligible devices collection.
Choose Truemed at checkout. Select Truemed as your payment option.
Take the quick health survey. A licensed provider reviews your answers to determine eligibility.
Pay your way. Use your HSA or FSA card, or pay with another card and submit your purchase for reimbursement using your letter.

You can learn more on the Capillus HSA/FSA eligibility page.

Which Capillus red light devices are HSA/FSA eligible?

Whether you're focused on your hair, your skin or simply unwinding at the end of the day, there's an eligible device for you.

For your hair: Capillus laser caps

Capillus was the first laser cap cleared by the FDA for hereditary hair loss. The caps use medical-grade laser diodes, fit discreetly under a baseball cap, and take just six minutes a day.

Capillus TriSpectrum: 312 medical-grade laser diodes with triple-wavelength technology, our most advanced cap.
Capillus Spectrum: 312 laser diodes with dual-wavelength technology.
Capillus PRO: 272 medical-grade laser diodes in a single wavelength.

Not sure which is right for you? Compare all Capillus laser caps, or learn more about how laser therapy works.

For your skin: Face Mask, EyeLift and Red Light Therapy Panel

Capillus Face Mask: 408 medical-grade LEDs, designed to help smooth the look of fine lines and refresh skin tone and radiance.
Capillus EyeLift: designed specifically for the under-eye area, to help reduce the look of puffiness, smooth the appearance of fine lines and brighten dark circles. Sessions take just 10 minutes.
Capillus Red Light Therapy Panel: 63 medical-grade LEDs in a compact panel for red light sessions at home.

For relaxation and recovery: Mat, Body, Healing Pod and Curavi Glove

Capillus Red Light Therapy Mat: 450 medical-grade LEDs, designed to help soothe tension, enhance circulation and promote deeper relaxation, with built-in neck support.
Capillus Body: a flexible, form-fitting red and near-infrared light wrap for areas like the shoulders and lower back, with 15-minute sessions.
Capillus Healing Pod: full-body red light immersion with 10,720 medical-grade LEDs. It's also available as the Healing Pod × WHOOP MG Life, which includes a WHOOP Life membership.
Curavi Glove: 104 medical-grade laser diodes, designed for the hands and wrists.

New to red light? Our guide to laser vs. LED light therapy explains how the two technologies compare.

What to look for when spending HSA/FSA funds on red light

Your HSA or FSA dollars are a smart way to invest in yourself. Here's what we'd look for before you check out:

Easy eligibility at checkout. Look for a brand that handles the HSA/FSA process for you. Capillus offers Truemed right at checkout.
A device you'll actually use. Consistency matters most with red light, so choose something that fits your routine. Capillus devices are hands-free, and many sessions take 15 minutes or less.
Medical-grade technology. Capillus devices use medical-grade laser diodes or LEDs.
The right focus. Think about where you want to start: hair, skin or relaxation. Capillus has eligible devices for each.

Tips before your FSA deadline

Check your plan's deadline. Many FSAs follow the calendar year, but not all do.
Give yourself time. Order with a few days to spare so you can complete the health survey before your deadline.
Remember who it's for. HSA and FSA funds can be used for you, your spouse and your dependents.¹ If you're holiday shopping for someone else, regular payment or Affirm financing are other options.

Frequently asked questions

Can I use my FSA for red light therapy?

In many cases, yes. At capillus.com, you can choose Truemed at checkout and complete a short health survey. If a licensed provider determines you're eligible, you can pay with your FSA funds.

Can I use my HSA to buy a laser cap?

Capillus laser caps, including the TriSpectrum, Spectrum and PRO, are part of the Capillus HSA/FSA eligible collection. Choose Truemed at checkout to see if you qualify.

What is a Letter of Medical Necessity?

It's a letter from a licensed provider showing that a purchase supports your health. With Truemed, you complete a private health survey at checkout, and a provider reviews it to determine eligibility.

What happens to my FSA money if I don't use it?

It depends on your plan. FSA funds are generally "use it or lose it," but some plans offer a grace period of up to two and a half months or let you carry over a limited amount. Check with your plan administrator.

Can I use my HSA or FSA to buy a gift?

HSA and FSA funds can be used for you, your spouse and your dependents. For anyone else on your list, you can pay with a regular card or use Affirm financing.

A final word

If you've been thinking about adding red light to your routine, your HSA or FSA could be the perfect way to start, especially if you have funds left before the end of your plan year. Explore all HSA/FSA eligible Capillus devices to find the one that fits your goals.

This article is for general information and isn't tax, financial or medical advice. Check with your plan administrator about your account's rules. Truemed is for qualified customers. HSA/FSA tax savings vary.

Sources

Internal Revenue Service. Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans.
Internal Revenue Service. Revenue Procedure 2025-32 (2026 health FSA limits, including the $680 carryover limit).
Truemed. Capillus HSA/FSA-eligible products storefront (health survey, licensed provider review and Letter of Medical Necessity).