Ordinary sleep products are personal expenses, not eligible.
IRS Pub. 502 (personal expense rule)
Only the excess cost of special equipment prescribed for a specific condition can qualify — rare.
This one doesn't qualify, but a lot of similar items do.
Browse HSA-eligible items →Informational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-08-15, last verified July 2026.