Can You Use HSA or FSA to Buy an Adjustable Bed?
Yes — but only with a doctor's prescription. Here's exactly how to make it work, what documentation you need, and how much you can save.
Quick Answer
Yes, HSA and FSA funds can be used for an adjustable bed if your doctor writes a Letter of Medical Necessity (LMN) stating that an adjustable bed is required for a medical condition. Without this letter, it's considered a personal comfort item and is not eligible. The base is typically covered; the mattress usually is not.
How Using HSA/FSA for an Adjustable Bed Works
The IRS allows HSA and FSA funds to be used for durable medical equipment (DME) that is prescribed by a doctor. An adjustable bed qualifies as DME when it's used to treat a specific medical condition — not for general comfort or convenience.
The key distinction: a regular adjustable bed bought for convenience is not HSA/FSA eligible. The same adjustable bed bought with a doctor's prescription for sleep apnea is eligible.
Step-by-Step: Using Your HSA/FSA for an Adjustable Bed
Talk to your doctor
Explain your symptoms (back pain, GERD, sleep apnea, etc.) and ask if an adjustable bed would be medically beneficial. Your doctor needs to determine that an adjustable bed is a medical necessity, not just a preference.
Get a Letter of Medical Necessity (LMN)
Ask your doctor to write an LMN on their letterhead. The letter should include: your diagnosis (ICD-10 code), why an adjustable bed is medically necessary, and how it will treat your condition. Be specific — "patient needs head elevation for GERD management" is better than "patient could benefit from an adjustable bed."
Check with your HSA/FSA administrator
Before purchasing, confirm with your plan administrator that they'll accept the LMN for an adjustable bed purchase. Some administrators have specific forms or pre-approval processes.
Purchase the adjustable bed
Buy the adjustable base using your HSA/FSA debit card, or pay out of pocket and submit for reimbursement. Keep your receipt — make sure it clearly identifies the product as an adjustable bed base.
Keep records for 5+ years
Store your LMN, receipt, and any correspondence with your plan administrator. The IRS can audit HSA/FSA expenses, and you'll need documentation to prove the purchase was medically necessary.
HSA vs. FSA: Key Differences for Adjustable Bed Purchases
| Feature | HSA | FSA |
|---|---|---|
| Funds expire? | No — roll over forever | Yes — use it or lose it (with some exceptions) |
| 2026 contribution limit | $4,300 (individual) / $8,550 (family) | $3,300 |
| Adjustable bed eligible? | Yes, with LMN | Yes, with LMN |
| Timing pressure | None | Must spend before plan year ends |
FSA tip: If you have FSA funds expiring at year-end and your balance covers an adjustable bed base, this is one of the smartest ways to use those "use-it-or-lose-it" dollars — assuming you have a medical need.
Medical Conditions That May Qualify
Sleep Apnea
Head elevation (15-30°) helps keep airways open and can reduce apnea episodes
GERD / Acid Reflux
Elevating the head 6-8 inches reduces nighttime acid reflux significantly
Chronic Back Pain
Zero-gravity position distributes weight evenly and reduces spinal pressure
COPD / Breathing Difficulties
Inclined sleeping position reduces diaphragm compression and improves breathing
Edema / Poor Circulation
Foot elevation promotes venous return and reduces leg swelling
Post-Surgical Recovery
Adjustable positioning aids recovery by reducing strain on surgical sites
For more on how adjustable beds help with health conditions, see our adjustable beds for seniors guide, which covers health benefits in detail.
How Much Can You Save?
Using pre-tax HSA/FSA dollars effectively gives you a discount equal to your marginal tax rate. Here's what that looks like:
| Bed Price | 22% Bracket | 24% Bracket | 32% Bracket |
|---|---|---|---|
| $549 | Save $121 | Save $132 | Save $176 |
| $999 | Save $220 | Save $240 | Save $320 |
| $1,495 | Save $329 | Save $359 | Save $478 |
Plus, HSA/FSA contributions also avoid FICA taxes (7.65%), so your actual savings are even higher.
Important Disclaimer
This article provides general information about HSA/FSA usage and is not tax or medical advice. HSA/FSA rules can vary by plan administrator, and tax laws change. Always consult with your doctor about medical necessity and a qualified tax professional about deductions. IRS Publication 502 provides official guidance on medical and dental expenses.
Frequently Asked Questions
The ABL Team
Sleep Health Researchers
Our team spends hundreds of hours testing adjustable beds, analyzing specifications, and comparing real-world performance so you can make an informed decision.
Last Updated: February 13, 2026