Ice edge on the edge of the plunge bath with very cold water for hardening the body in the sauna complex. Dip in cold water after a hot sauna. Extreme healing of the body with cold water.

The Cost-Effective Chill: How Daily Cold Plunges Can Reduce Healthcare Bills


In recent years, the practice of taking daily cold plunges has surged in popularity, not just as a trend among wellness enthusiasts but also among those seeking to reduce their long-term healthcare costs. This seemingly daunting practice involves immersing oneself in cold water, typically below 15°C (59°F), on a regular basis. While the initial thought of submerging in chilly waters might send shivers down your spine, the potential savings on healthcare bills could warm up to the idea. This article explores how incorporating cold plunges into your daily routine could be a significant step towards not only improving your health but also reducing your medical expenses over time.

The Initial Investment vs. Long-Term Savings

The initial setup for cold plunges might seem like a deterrent to some. Whether it’s purchasing a specialized cold plunge tub, adapting your bathtub for cold soaks, or accessing a natural body of water, there’s a cost to consider. However, when juxtaposed with the potential savings on healthcare over time, this initial expense becomes relatively minor.

Setup Costs

  • Specialized Cold Plunge Tubs: High-quality models range significantly in price but are designed to maintain low temperatures efficiently.
  • DIY Cold Baths: For those on a budget, converting an existing bathtub or purchasing a large, insulated tub can be a cost-effective alternative.

Health Benefits & Healthcare Savings

BENEFITS OF ICE BATHS Freein portable ice bath tub is designed to help improve recovery and reduce inflammation, while providing a comfortable, adjustable fit. Enjoy fast, long-lasting relief and improved mobility. OVERALL HEALTH • Immune system support • Increase blood flow • Reduce chronic pain • Boost metabolism • Better sleep MENTAL HEALTH • Experience a natural high • Boost energy • Elevate mood • Prevent/help depression • Practice discipline • Increased resilience MUSCLE RECOVERY • Lower inflammation • Reduce muscle soreness • Boost performance

  • Boosted Immune System: Regular cold plunges have been linked to an increase in white blood cells, enhancing the body’s ability to combat illnesses. This natural bolstering of the immune system can lead to fewer doctor’s visits and a reduced need for medication, trimming down healthcare costs.
  • Enhanced Circulation: The cold exposure helps improve blood flow, which can prevent cardiovascular diseases – a leading cause of high medical bills. By maintaining a healthy circulatory system, individuals can sidestep expensive treatments and interventions.
  • Reduced Inflammation & Pain: Cold therapy is renowned for its anti-inflammatory effects. For those suffering from chronic conditions such as arthritis, regular cold plunges can significantly diminish pain and inflammation, reducing the reliance on painkillers and other treatments.
  • Improved Mental Health: The mental health benefits, including reduced symptoms of anxiety and depression, can lead to fewer mental health-related healthcare expenses. The endorphin release from cold exposure acts as a natural mood booster.
  • Weight Management: Exposure to cold can increase metabolic rate as the body works to generate heat, aiding in weight loss and management. This can decrease the risk of obesity-related health issues, which are often costly to treat.
How Ice Baths Can Reduce Healthcare Bills
Image Credit: Nike

The Long-Term Perspective

When considering the cost-effectiveness of daily cold plunges, it’s essential to adopt a long-term perspective. The immediate health benefits, such as improved mood and energy levels, are just the tip of the iceberg. Over time, the compounded effects on physical and mental health can lead to substantial savings on healthcare expenses. Regular practitioners often report fewer illnesses, a reduced need for medications, and less frequent visits to healthcare providers.

Moreover, the investment in a cold plunge setup at home eliminates the need for memberships at specialized facilities, further reducing long-term expenses. By incorporating this practice into your routine, you’re essentially investing in a form of preventative healthcare.

Making It Cost-Effective

To maximize the cost-saving benefits of cold plunges while minimizing initial expenses, consider the following tips:

  • Start Simple: Use your existing bathtub or a large container before investing in expensive equipment.
  • Natural Bodies of Water: If accessible, lakes, rivers, or the ocean can provide a free and natural setting for cold plunges.
  • Energy Efficiency: For those investing in cold plunge tubs, look for energy-efficient models that keep operating costs low.
  • Community Sharing: Consider sharing the cost and use of a cold plunge tub with a community of like-minded individuals.
  • Buy Now Pay Later: Break your purchase of a cold plunge tub or ice bath into payments to avoid sticker shock. 

Buy Cold Plunge Tub Now, Pay Later

Man smiling while enjoying a refreshing ice bath: '7 retailers that offer financing - buy now, cold plunges later'.

There are several online ice bath and cold plunge tub companies that offer financing options so you can make payments over time. The healthcare savings and benefits in the long run is has proven it will be worth it. Here are reputable companies that we recommend:

1. Blue Cube Baths

Blue Cube Baths specializes in premium cold plunge tubs and ice baths designed to support recovery and enhance well-being. They offer several financing options including through the Sezzle app. Their range of products is crafted with quality materials and innovative features to deliver optimal results for users seeking the benefits of cold therapy. Shop now!

2. Chilly Goat Tubs

Chilly Goat Tubs offers premium cold plunge tubs backed by the involvement of Olympic swimmer Michael Phelps. Financing is provided by Affirm, and they also accept HSA/FSA funds through TrueMed. Experience the benefits of cold immersion therapy for recovery and wellness in the comfort of your home. Shop now!

3. Edge Theory Labs

Edge Theory Labs specializes in cold exposure therapy and ice bath recovery solutions, including portable ice baths and offers financing through Affirm. Their innovative products are designed to facilitate recovery, enhance performance, and promote overall well-being. now!


Freein offers affordable inflatable cold plunge tubs with convenient financing options through PayPal Credit and/or ShopPay, making it easy to prioritize your health without financial strain. Their durable products and positive customer reviews make them a reliable choice for anyone seeking the benefits of cold therapy. Shop now!

5. Ice Barrel

Ice Barrel is a leading provider of cold immersion solutions, offering a unique and innovative approach to cold therapy. Their signature product, the Ice Barrel, is designed to provide an effective and convenient way to experience the benefits of cold exposure therapy. Ice Barrel offers financing through Affirm and HSA/FSA funds through TrueMed. Ice Barrel also offers military discounts and first responder discounts. Shop now!


Plunge provides premium ice bath solutions with flexible financing through Bread Pay. Plunge also accepts HSA/FSA funds through TrueMed. With cutting-edge features and a focus on performance, Plunge is trusted by professionals and enthusiasts alike for optimal recovery and wellness benefits. Shop now!

7. Redwood Outdoors

Redwood Outdoors specializes in premium saunas and cold plunge tubs and also offers financing through Affirm. Their range of products is designed to enhance recovery, promote relaxation, and support overall well-being. Shop now!


While the thought of daily cold plunges might initially seem more chilling than appealing, the long-term health benefits coupled with the potential for significant healthcare savings make it a compelling practice. By boosting the immune system, enhancing circulation, reducing inflammation and pain, improving mental health, and aiding in weight management, cold plunges can be a cornerstone of preventative healthcare. Despite the initial setup cost, the investment in your health could lead to substantial savings, making it a financially wise choice for the long run.

Featured Image Credit: Deposit Photos