Can I use an HSA to buy a bed?
Asked by: Mr. Gordon Pfeffer | Last update: July 8, 2025Score: 4.4/5 (72 votes)
What can an HSA not be used for?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Can I use my HSA for a sleep number bed?
By spending from an HSA or FSA, money that would be paid in taxes can be used for qualified health and wellness purchases like the Sleep Number® smart bed. You pay taxes on income and then spend it on health items. You're using pre-tax money, so you're getting more purchasing power for your dollars.
Can I use my HSA for gym membership?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Can I get a prescription for a bed?
Can a doctor write a prescription for an adjustable bed? A doctor can write a prescription for an adjustable bed. In order for Medicare to cover some of the costs of an adjustable bed, a doctor must write a prescription stating that the bed is medically necessary.
5 Things You Can Buy With Your HSA
Will health insurance pay for a mattress?
Your doctor must provide a prescription confirming that the mattress is medically necessary for your condition, treatment, and recovery. The bed must be classified as durable medical equipment (DME) to be eligible for coverage.
How to get a free medical bed?
Among the most well-known providers of free medical equipment for seniors are Medicare and Medicaid. For seniors who meet the eligibility requirements, these government programs offer vital medical supplies like hospital beds for home use, wheelchairs, walkers, and oxygen equipment.
Is the Apple Watch HSA eligible?
Why other fitness trackers don't qualify. Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
Can I use my HSA for massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
Can you pay for Peloton with HSA?
The partnership will make it easier for qualified US-based Peloton customers to use pre-tax Health Savings Account (HSA)/Flexible Spending Account (FSA) dollars to purchase applicable Peloton products, saving customers up to 40% off their purchase.
Can you buy a bed with an HSA?
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 ...
Can I use my HSA for a hotel room?
Your HSA could also cover hotel costs during a medical treatment–related stay for you and a travel companion, up to certain daily limits. Vision: HSA dollars could pay for a new pair of glasses, contact-lens solution, and laser eye surgery.
Are pillows HSA eligible?
A cervical pillow, if used to treat a medical condition, is eligible for reimbursement with a Letter of Medical Necessity (LMN) from a medical professional with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
What is the downside of an HSA?
Drawbacks of HSAs include tax penalties for nonmedical expenses before age 65, and contributions made to the HSA within six months of applying for Social Security benefits may be subject to penalties. HSAs have fewer limitations and more tax advantages than flexible spending accounts (FSAs).
What happens if I accidentally use my HSA card for non-medical expenses?
You can repay the incorrect distribution before filing your federal taxes for that tax year. However, if you do not correct the mistake, the unqualified amount will be subject to income tax, and you may also face an additional 20% tax penalty.
What is the 12 month rule for HSA?
It means you must remain eligible for the HSA until December 31 of the following year. The only exceptions are death or disability. If you violate the testing period requirement, your ineligible contributions become taxable income.
Can I pay for gym membership with HSA?
Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.
Can I use HSA for glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)
Can I use HSA for vitamins?
In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.
Can I use my HSA for YMCA membership?
Using HSA or FSA Dollars
If you have a health insurance plan with a Health Savings Account or you use a Flexible Savings Account, you may be able to use money from those accounts to pay for your YMCA membership!
Can you use HSA to buy a treadmill?
For a treadmill to be eligible for reimbursement, it must be used to treat or prevent a specific disease, including hypertension or obesity.
Can I buy Gatorade with HSA?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
Where can I get a new bed for free?
Nonprofits and charitable organizations such as Catholic Charities, Goodwill, St. Vincent de Paul, The American Red Cross, Salvation Army, and more can assist with furniture vouchers. To qualify for furniture vouchers, eligible low-income applicants are usually: Formerly homeless and now residing in a home.
Will Medicaid buy me a bed?
Unlike Medicare, a federal program available to all people 65 and older, Medicaid is a joint federal and state-level program for people with qualifying income needs. If you meet the criteria in your state, you may use Medicaid to partially pay for a hospital-grade adjustable bed.