Did you know you can save 25-35% off the cost of a new mattress if you purchase it with an HSA or FSA? But what is an HSA or FSA, and how does it all work? Beyond that, what mattress brands even offer this option?
What is HSA & FSA?
An HSA (Health Savings Account) and FSA (Flexible Spending Account) are generally employer-sponsored, pre-tax accounts used to pay for qualified medical expenses.
HSAs require a high-deductible health plan, are owned by you, and never expire or have an annual reset. FSAs are “use-it-or-lose-it” accounts that are generally lost if you leave your job.
How Do Mattress Brands Offer HSA & FSA?
Mattress brands partner with companies like TrueMed, which enable people to purchase their products with an HSA or FSA. That said, it isn’t as easy as just having an account; you’ll need to fill out a health survey and provide them with a Letter of Medical Necessity.
A licensed healthcare specialist provides this document, and it justifies that a product, service, or treatment is essential to treat, cure, or prevent a medical condition.
This can include mattresses if it is deemed necessary to help treat conditions like back pain, sciatica, sleep apnea, or other conditions/
Out of all the mattress brands we’ve tested, 26% or 30 out of 114, offer the ability to purchase a mattress with your HSA or FSA.
Below is a complete list of all the mattress brands that offer this service. A lot of these offer these services through TrueMed, though there are a few other options as well.
Brands that offer HSA & FSA Payment Methods
- Avocado
- Awara
- Bear
- Big Fig
- Birch
- Boring
- Brooklyn Bedding
- Bryte
- DreamCloud
- Eco Terra
- Eight Sleep
- GhostBed
- Glacier
- Helix
- iSense
- Leesa
- Loom & Leaf
- Nectar
- Nolah
- Novilla
- Personal Comfort
- Plank
- Plushbeds
- Purple
- Saatva
- Sleep Number
- SweetNight
- Tiami
- Titan
- Zinus
How does an HSA / FSA save money on a mattress?
So why offer this service, and how does it help you, the person buying a mattress?
HSA and FSAs were created so individuals could use pre-tax money to pay for expenses used to treat, cure, or prevent a medical condition. This reduces your taxable income and saves you roughly 25-35% on every dollar contributed.
By using your HSA or FSA, you avoid paying federal and state income tax and FICA tax on money spent on health.
Let’s run through an example. Say you’re buying a mattress that is $1500, a 30% pre-tax savings is $450 dollars back in your pocket.
It’s important to note that some plans will only reimburse for the incremental cost of a mattress over a standard one.
So a mattress that costs $2,500 might only be eligible for $2,250, for example. TrueMed calls this “partial eligibility,” and it is something to look out for if you plan to use your HSA or FSA.
Now that you are more aware of what an HSA / FSA account can do for you regarding mattresses, make sure to keep an eye out for it as an option when completing a purchase.
Citations
- FSA Store. (n.d.). What is a health savings account (HSA)? FSA Store Learning Center. Retrieved May 22, 2026, from https://fsastore.com/articles/learn-what-is-a-health-savings-account-hsa.html
- Truemed. (n.d.). About Truemed. Retrieved May 22, 2026, from https://www.truemed.com/about
- Fidelity Investments. (2025, November 10). HSA vs. FSA: Which is right for you? Fidelity Learning Center. https://www.fidelity.com/learning-center/smart-money/hsa-vs-fsa
