New 2027 FSA Limit: An Austin Plan for Sauna and Red Light
Quick answer: The IRS raised the 2027 health FSA limit to $3,500 with up to $700 in carryover, and because Sweatland sessions are FSA and HSA eligible, you can plan infrared sauna and red light therapy in Austin into your budget, as long as your plan allows it.
What changed for 2027
On November 5, the IRS released its 2027 inflation adjustments. Two numbers matter for your wellness budget.
The health FSA contribution limit rises to $3,500 for plan years starting in 2027, up from $3,400.
If your plan allows carryover, up to $700 of unused 2027 money can roll forward, up from $680.
HSA limits for 2027 were set earlier this year at $4,500 for self only coverage and $9,000 for family coverage.
Your employer can set a lower FSA limit, and not every plan offers carryover. Check your plan details.
Your November FSA and HSA plan
Open enrollment season is the right time to think ahead. So is the last stretch of the year, when unused FSA dollars may be at risk.
Step 1: Check your 2026 balance
Log in to your benefits portal and see what is left. Some plans give a grace period, some allow carryover, and some do neither.
Step 2: Ask about a Letter of Medical Necessity
Some plans treat sauna or red light sessions as eligible only with a Letter of Medical Necessity from your provider. Ask your plan administrator what they need before you book.
Step 3: Pick your 2027 election
If regular recovery sessions are part of your routine, factor them into your election. Do not over elect; only set aside what you expect to use.
FSA eligible sauna Austin: how sessions fit in
At Sweatland, you can choose a 30 minute Infrared Sauna Suite, a 45 minute full spectrum Infrared Sauna Cabana, or a 20 minute full body red light session. Many guests mix them through the week.
November in Austin swings from warm afternoons to cool mornings. Regular sauna sessions may also help you keep some heat acclimation going between seasons, which is handy before a warm holiday trip or a spring race. Heat acclimation builds gradually, so start short.
HSA eligible red light therapy Austin
Full body red light therapy uses low levels of red and near infrared light. Cleveland Clinic notes that research is promising for some skin uses, while more study is needed. Our guests describe it as a calm, quiet reset. It is a wellness session, not a medical treatment.
Safety first
Hydrate before and after every session. Skip alcohol before sauna, and step out if you feel dizzy. Check with your doctor first if you are pregnant, have a heart condition or low blood pressure, or take medication that affects heat tolerance.
Start with Intro Week for $88
Looking for an infrared sauna in Austin or red light therapy in Austin? Sweatland is a women founded, Austin founded South Lamar wellness studio for recovery in Austin, and an easy sauna near me pick in 78704. Sessions are FSA and HSA eligible.
New clients can start Intro Week for $88, or try full body red light for $25. It is a great reset before Texas Book Festival weekend and the Thanksgiving rush.
Find us at 215 South Lamar Blvd Suite B, Austin, TX 78704, with free garage parking at Bridges on the Park. Book online, call 512-494-4800, or text 737-258-9551.
Frequently asked questions
What is the 2027 health FSA limit?
For plan years beginning in 2027, the IRS limit on employee health FSA contributions is $3,500. If your plan allows carryover, up to $700 can roll into the next year. Your employer may set lower limits.
Can I use my FSA or HSA at Sweatland?
Yes, our sessions are FSA and HSA eligible. Coverage depends on your plan, and some plans need a Letter of Medical Necessity, so check with your plan administrator first. We cannot promise reimbursement.
What happens to unused FSA money at the end of 2026?
It depends on your plan. Some plans allow up to $680 of unused 2026 money to carry over, some offer a short grace period, and some do neither. Ask your benefits team.
How long are sauna and red light sessions at Sweatland?
The Infrared Sauna Suite is 30 minutes, the full spectrum Infrared Sauna Cabana is 45 minutes, and full body red light is 20 minutes.
Where is Sweatland, and is parking free?
Sweatland is at 215 South Lamar Blvd Suite B, Austin, TX 78704. Parking is free in the garage at Bridges on the Park.