How to Use Your HSA/FSA for Sleep Aids & Get Better Rest

Struggling with chronic sleeplessness is more than an inconvenience—it's a legitimate health concern tied to increased stress, a weakened immune system, and other long-term risks. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you have a powerful, often overlooked tool to invest into products that can help you.

Many are surprised to learn that these pre-tax accounts can cover a range of HSA FSA eligible sleep aids, particularly those recommended by a doctor to treat specific conditions like insomnia or tinnitus. This includes innovative devices like specialized earbuds for sleeping designed to block disruptive noise. This guide will demystify the process, showing you how to use your funds to finally achieve the restorative sleep you need.

What Are HSAs and FSAs? A Quick Overview

Before diving into sleep aids, it's essential to understand the accounts themselves. Both HSAs and FSAs allow you to set aside pre-tax money for qualified medical expenses, effectively lowering your healthcare costs. The following table breaks down their key similarities and differences.

Feature	Health Savings Account (HSA)	Flexible Spending Account (FSA)
Key Similarity	Funds eligible expenses with pre-tax money.	Funds eligible expenses with pre-tax money.
Eligibility	Requires a qualified High-Deductible Health Plan (HDHP).	Offered by your employer; no specific insurance plan required.
Account Ownership	You own it individually. It's portable if you change jobs.	Employer-owned. Typically tied to your current job.
Fund Rollover	Yes. Funds roll over year-to-year indefinitely and can be invested.	Generally no. "Use-it-or-lose-it" rule, but employers may allow a small carryover or grace period.
Contribution Source	You and/or your employer can contribute.	You and/or your employer can contribute.

Are Sleep Aids HSA/FSA Eligible?

The short answer is: yes, but with a crucial caveat. The eligibility of a sleep aid hinges entirely on medical necessity. An over-the-counter supplement purchased without a prescription likely won't qualify. However, devices or aids prescribed or recommended by your doctor to treat a diagnosed sleep disorder are strong candidates for approval. The IRS guidelines state that eligible items must be primarily for medical care, not general health. Therefore, the success of using your funds for a sleep aid depends on connecting the product to a specific, treatable condition, a process detailed on resource sites like NPA Benefits.

Why soundcore Sleep Earbuds Are a Top HSA/FSA Eligible Choice

When it comes to HSA/FSA-eligible sleep aid devices, the soundcore sleep earbuds—particularly the Sleep A30 and Sleep A20—stand out for their medical-grade design focused on reducing nighttime disruptions. Unlike standard wireless earbuds, these models are purpose-built for sleep scenarios.

For example, the Sleep A30 combines advanced noise masking technology, ultra-soft pressure-free eartips, and a secure low-profile design that remains comfortable even for side sleepers. This ensures continuous, restful sleep without irritation or dislodgement throughout the night.

Meanwhile, the Sleep A20 offers similar benefits in a more simplified form factor—ideal for users seeking essential noise masking and ergonomic comfort at a more accessible price point.

Together, these features demonstrate how the Soundcore Sleep series directly supports medical sleep needs, making them strong candidates for inclusion in a Letter of Medical Necessity (LMN) and subsequent HSA/FSA reimbursement claims.

How to Pay by HSA/FSA with soundcore Sleep Earbuds

Navigating the purchase process is simpler than it seems. Here’s a clear, step-by-step guide to using your HSA/FSA for soundcore Sleep A30 & Sleep A20.

Step 1: Add sleep A30 / sleep A20 to your cart

Step 2: At checkout, under “Payment” select Flex | Pay with HSA/FSA

Step 3: Provide your consent to a questionnaire for "Letter of Medical Necessities" (essential for reimbursement)

Step 4: Provide your payment method, and if qualified, a Letter of Medical Necessity will be emailed to you to submit for reimbursement proof

FAQs

How do HSAs & FSAs work?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow individuals to set aside pre-tax dollars for medical expenses. By paying with pre-tax funds, consumers can save approximately 30% to 40% on eligible healthcare purchases. These accounts provide valuable tax advantages and can be used to cover a broad range of health-related costs, making them effective tools for managing out-of-pocket medical spending.

What is the requirement for HSA/FSA eligibility for sleep aids?

A Letter of Medical Necessity (LMN) from a licensed physician is the most critical component. It bridges the gap between a wellness product and a medically necessary device

Final Thoughts: Invest in Your Sleep Health

Using your HSA or FSA for HSA FSA-eligible sleep aids is a smart, financially efficient way to address chronic sleep issues. The path to reimbursement is clear: partner with your doctor to establish medical necessity for a device designed to solve a specific health-related problem. By leveraging these pre-tax funds, you can invest in high-quality solutions that move you beyond restless nights and toward truly restorative sleep.