If you’ve got an HSA (Health Savings Account) or FSA (Flexible Spending Account), you’re sitting on one of the best wellness hacks out there. Both accounts let you set aside pre-tax dollars to pay for qualifying health and wellness expenses… meaning you get to spend money tax-free on things that actually help you feel better.

And honestly? The less money we hand over to the government, and the more we keep for our own healing – the better. ✨

While most people use their HSA or FSA for things like prescriptions and doctor visits, there are SO many holistic, integrative ways to use that money wisely. Below are my favorite Ayurvedic-approved and holistic wellness splurges, all eligible (or partially eligible) for HSA/FSA reimbursement, depending on your plan.

1. Acupuncture Sessions

If you’ve never tried acupuncture, it’s one of the most powerful ways to reset your nervous system, improve sleep, balance hormones, and ease pain… and it’s usually HSA/FSA eligible!

Acupuncture is rooted in Traditional Chinese Medicine, works beautifully alongside Ayurveda, both view the body as an interconnected system of energy and elements.

💡 Tip: Look for a licensed practitioner in your area who integrates herbal or energy work. You can usually submit a receipt for reimbursement through your HSA/FSA portal.

2. Banyan Botanicals Sleep Easy Oil

Sleep is one of the three pillars of health in Ayurveda (alongside diet and sexual energy management). Without deep rest, ojas (your vital life force can’t replenish.

I love Banyan Botanicals Sleep Easy Oil for its soothing blend of herbs and sesame oil that calm the mind before bed. Massage it on your feet or scalp nightly to signal “wind down mode.”

🩵 Use my code AYURVEDABIANCA15 for 15% off at checkout.

3. Therapy or Mental Health Sessions

Therapy is one of the most underrated forms of self-care, and it’s usually fully covered under HSA/FSA.

A great therapist can help you process emotions stored in the body, the very emotions that Ayurveda says can block your agni (digestive fire) and weaken immunity.

Emotional digestion is just as vital as physical digestion. Don’t skip this investment in your wellbeing.

4. Banyan Botanicals Joint Balm

If you’re an athlete, yogi, or just noticing the effects of aging, you need this in your cabinet. The Joint Balm from Banyan Botanicals supports joint mobility, circulation, and warmth, making it perfect for post-workout abhyanga or after long days on your feet.

Ayurveda teaches that stiffness and pain come from excess Vata, this balm helps bring back flow and lubrication.

🩵 Use code AYURVEDABIANCA15 for 15% off.

5. Banyan Botanicals Castor Oil

Not all castor oils are created equal. The Banyan Castor Oil is organic, cold-pressed, and Ayurvedically approved for cleansing, detox rituals, and lymphatic massage.

Castor oil is a traditional favorite for balancing Vata and Kapha, supporting elimination, and enhancing circulation. It’s also a must-have for postpartum mamas or anyone doing gentle cleansing rituals.

🩵 Use code AYURVEDABIANCA15 for 15% off.

6. Banyan Botanicals Breast Balm

Your breasts are energy centers, and Ayurveda emphasizes regular massage to support lymphatic drainage and heart chakra balance.

The Banyan Breast Care Balm is a gentle way to connect with your body, promote circulation, and release stagnation (something our modern lifestyle rarely makes space for).

🩵 Use code AYURVEDABIANCA15 for 15% off your order.

Final Thoughts

Your HSA and FSA dollars don’t have to go toward sterile, uninspired healthcare purchases. They can fund true healing, the kind that nourishes body, mind, and spirit.

When you choose to spend intentionally on acupuncture, therapy, or Ayurvedic rituals, you’re keeping more of your money where it belongs, supporting your own wellbeing.

✨ Save this post for tax season and share it with a friend who loves a good wellness loophole.