Ever tried sleeping on a rock? A bad mattress can be just as comfy. It can cause serious pain and worsen health issues. That’s why the IRS lets you use your pre-tax dollars from a health savings account (HSA) or flexible spending account (FSA) for certain health-related items. But not everyone can use these funds for a new mattress. You need a medical certification first.

Each mattress brand has its own process. For example, with Sleep Number, you buy your mattress first, then complete a survey to qualify. With Nectar, you fill out a survey before you check out. If you’re planning to buy a new bed, here’s how you can use your HSA or FSA funds.

To use these funds, your mattress must be special, not just any regular one. A medical professional needs to say you have a medical need for it. Common reasons include back pain or allergies. Both adult and kids' mattresses can qualify. Remember, HSA funds typically cap at $4, 150 individually or $8, 300 for families in 2024. Extra $1, 000 for those over 55. Any unused money by December 31? Gone!

Some popular brands let you buy a mattress with your health funds. Sleep Number, for instance, has a simple three-step process. You buy the mattress, complete a survey, and submit your paperwork. Nectar, Avocado, and DreamCloud have similar steps.

Ghostbed also has a straightforward process. You add your chosen mattress to the cart, complete a healthcare survey, and finish checkout. If approved, you get a letter of medical necessity.

Think it’s easy? Not really. It’s hard to get approved. So, you might not get the funds for a new bed. Budget-conscious? Check out affordable options like Brooklyn Bedding's Signature Hybrid. Our 2024 best mattress guide can help you find the right one!

Need a New Mattress? Use Your Health Funds!

Actions