A bad mattress can have serious health implications that go far beyond relentless tossing and turning at night. It can cause severe pain and easily exacerbate existing health conditions. That’s why the IRS allows you to use your pre-tax dollars in your health savings account (HSA) or flexible spending account (FSA) towards health-forward items, such as a smart ring or bedding. An HSA or FSA can be a great way to afford that new mattress you need, but it isn’t available to just anybody. First, you have to qualify.
Every mattress manufacturer has a different process. For example, with Sleep Number, you purchase your mattress first and then complete a survey for qualification. With Avocado, you fill out your survey first and then check out. If you’re considering purchasing a new bed, this is how to buy your next bed with HSA or FSA funds.
Can I use my FSA or HSA for a mattress?
Mattresses are not generally covered by HSA and FSA funds, but there are exceptions. According to the HSA Store, “A mattress expense is only eligible when its components and construction costs exceed those of a standard mattress for general health.” To use your funds for a new mattress, you’ll need to provide a letter of medical necessity (LMN) from a medical professional stating you have a medical need for a new HSA- or FSA-eligible mattress.
Common symptoms for an LMN include but are not limited to the following:
Mattress eligibility includes beds for both adults and children. For 2024, the annual pre-tax contributions for a health savings account are capped at $4,150 individually or $8,300 per family, with an additional $1,000 allotment for those 55 years and older. You have all year to use these funds, but any unused funds are forfeited after December 31 of each year. After you submit your claim and LMN, it typically only takes days to receive expense approval.
Mattress brands that may be FSA- or HSA-eligible
These are some of the most popular mattress brands that may be FSA- or HSA-eligible and their respective processes for buying a new mattress.
Sleep Number
Video producer and mattress expert Owen tests the adjustable bed frame on Sleep Number’s Climate360 smart bed.
Sleep Number is one of the most well-known manufacturers of mattresses and has an established process for buying new FSA- and HSA-eligible mattresses. Its line of smart beds includes the c2, p5 and i8 smart beds.
It’s easy to purchase a new Sleep Number bed, with just three steps required.
- Buy your mattress:Once you choose the mattress you want to buy, complete the purchase as you normally would.
- Complete the Truemed survey: Your receipt or order confirmation will hold a link to a quick reimbursement survey from Sleep Number’s health advocacy partner, Truemed. Results will automatically be submitted to a licensed provider so you can access a free evaluation.
- Submit paperwork:If you’re approved, a LMN will be emailed within days. It’ll include instructions on how to submit your reimbursement claim to your HSA or FSA provider.
Avocado
Video producer and mattress expert Dillon Lopez testing the Avocado Green mattress.
With Avocado, you have a wide choice of FSA- and HSA-eligible mattresses available for both adults and kids. All mattresses are eligible and have an exclusive HSA/FSA callout with a green check icon where the “Buy Now” box is located.
Avocado also requires three steps, but they’re slightly different from Sleep Number.
- Check your eligibility: Complete a quick survey from Sika to determine eligibility.
- Purchase your mattress: Buy your selected mattress using Sika to checkout with your HSA or FSA funds.
- Submit your claim: Instructions for submitting your reimbursement claim will be on your Sika receipt. Your letter of medical necessity will then follow if you’re approved.
DreamCloud
Video producer and mattress expert Wes Ott testing the edge support of the DreamCloud mattress.
DreamCloud also requires three steps to receive reimbursement for your new bed.
- Checkout: Add your DreamCloud mattress to your cart and choose “Pay with HSA/FSA” as your payment method.
- Complete the survey:DreamCloud will send you an eligibility survey to complete to determine if you can use your HSA or FSA funds for a new mattress.
- Pay for your mattress: You can use your HSA or FSA card like a normal credit card to make payment. You can also use a personal form of payment and submit a claim through your HSA or FSA administrator.
Nectar
Sleep writer Aly Lopez testing the Nectar Premier Hybrid as a stomach sleeper.
Nectar is a popular mattress manufacturer, with popular models such as the Nectar Luxe and Nectar Premier Hybrid.
Nectar uses a simple process, much like its competitors, to apply HSA or FSA funds toward a new mattress purchase.
- Go to checkout:Add your chosen mattress to your cart, and under Payment Method, choose “Pay with HSA/FSA.”
- Complete the questionnaire: Nectar requires you to complete a quick survey regarding your health to confirm eligibility.
- Submit your claim: Use your HSA or FSA funds directly to pay for your mattress, or you can use a personal payment method to submit a claim later to your HSA or FSA administrator.
Ghostbed
Video producer and mattress expert Jon Gomez testing the edge support of the GhostBed mattress.
With Ghostbed, you have mattress options like the Ghostbed Oasis or the Ghostbed Luxe. Ghostbed offers a straightforward process that works in conjunction with Truemed.
- Go to checkout:Add your chosen Ghostbed mattress to your cart, and select “Pay with HSA/FSA funds” at checkout.
- Complete the Truemed survey:After you buy your mattress, you’ll be redirected to the Truemed website, where you’ll need to complete a quick healthcare survey.
- Finish checkout: After the survey, you can complete checkout directly through Truemed. If you prefer to pay with a personal payment method, you’ll need to file a claim afterward for reimbursement.
Bottom line
If your sleep is being sabotaged by your mattress, you could receive pre-tax dollars to put towards a new one. However, mattresses are commonly excluded from HSA/FSA funds unless a medical professional deems them medically necessary. Keep in mind that it can be challenging to become approved, so you may not receive the funds for a new bed.
If budget is a concern, consider a more affordable mattress like the Brooklyn Bedding Signature Hybrid, which is a cost-effective choice with great value. Our guide to the best mattresses of 2024 can help you find the right mattress for your needs at a price you can afford.
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