3,500+ reviews

Save 30% by using your HSA or FSA card

The money is already set aside. Pick HSA/FSA at checkout and use it.

See your savings

Illustrative, not a discount or tax advice.

A woman standing beside a wall-mounted Mito Red Light panel in a room lit red, a plant behind her.

See what you keep

How does paying with HSA or FSA save me money?

Pick a device, or drag the sliders.

Pick a device

Tap a device to load its price. Tap more than one to add them up.

Each light is 1% of your order. The lit ones are tax you never pay.

Tax you never pay

$315

on a $1,049 order paid with pre-tax dollars at 30%

Combined means income plus payroll taxes, and it differs by person, income and state. This is an illustration, not tax advice, and it is not a discount. Yearly contribution limits are in IRS Publication 969.

How it works

What happens at checkout

Two steps, all of them inside the checkout you already use.

Pick HSA/FSA in the payment list

It sits with credit card and the wallets, not off in a separate flow.

A checkout payment list showing Credit card, Apple Pay, and Pay with FSA/HSA, with the FSA/HSA option selected.

Pay with your HSA or FSA card

Use your HSA or FSA card, or split the order across two cards.

A payment screen with options to pay in full or split the payment, card entry fields, and a Pay now button.

Shop HSA eligible items

Before you worry about it

No new account

No new account to open and no balance to top up. Bring the card your employer gave you.

Your order is not held up

Red light devices qualify automatically, so you pay and check out as normal.

Your plan has the final say

Your plan administrator decides what it pays. If you are unsure, check with them first.

Normal cards still work

Credit card is still a payment option at checkout, alongside the wallets.

Common questions

What are FSA and HSA accounts?

Both let you set aside money from your paycheck before taxes for eligible health expenses. An HSA is a health savings account and generally stays with you year after year. An FSA is a flexible spending account and usually has a yearly deadline. Not sure if you have one? Check with your employer or your benefits provider.

Can I use my HSA/FSA at Mito Red Light?

Yes. Pick HSA/FSA in the payment list at checkout, then pay with your HSA or FSA card the same way you would use any other card.

Can I use my regular credit card instead?

Yes. Every regular payment option is still there. You can also split an order: put part of it on your HSA or FSA card and the rest on a regular credit or debit card.

Do red light devices qualify automatically?

Yes. Our red light devices qualify automatically, and no letter is needed. Pick HSA/FSA at checkout and pay with your HSA or FSA card. Your plan makes the final decision on any claim.

Are there any fees?

You pay the price on the product page. There is no extra charge at checkout for paying with your HSA or FSA card.

When should I use my FSA/HSA dollars?

Any time of year. HSA money generally stays with you year after year. FSA money usually has a deadline, and many plans run use it or lose it at the end of the year, so check your plan's dates before December.

Will I be asked any health questions?

Only for a few items. The LED face mask, the MitoMIND helmet and some skincare ask a few quick health questions at checkout. Everything else checks out with no questions.

I don't have an HSA/FSA. Can I still benefit?

You need one of those accounts to use pre-tax money. Many employers offer them during open enrollment, so it is worth asking. You can still check out normally with any card.

I don't live in the US. Can I still use this?

HSA and FSA are United States programs, so the pre-tax option only applies to US accounts. Everything on the site can still be bought the normal way.

The fine print

Some of what we sell may qualify as a medical expense under IRS rules. Not everyone qualifies, and no product on this site has been reviewed or approved for you in advance.

Your plan administrator makes the final decision on any claim, and plans differ.

Protective eyewear, gift cards and most skincare are not included on this page, and nothing here says they qualify.

Mito Red Light is not a tax advisor, a medical provider, or a benefits administrator, and nothing on this page is tax, legal, or medical advice. For questions about your account or a claim, contact your plan administrator.

There is a yearly cap on how much you can put into one of these accounts. The IRS publishes the current numbers in Publication 969.