Contributed by Kendra Dombroski, M.S.
Sleep influences everything: your mood, your energy, your recovery, and how well your body handles daily stress. Yet when people think about how to use their health benefits, sleep rarely enters the conversation.
HSA/FSA funds can be used for the Pod if you have anxiety, chronic fatigue, insomnia, depression, insulin resistance, perimenopause, post-menopause, fibromyalgia, or sleep disorders. If you’re considering the Eight Sleep Pod to manage any of these conditions, your Health Savings Account (HSA) or Flexible Spending Account (FSA) can make that decision far more cost-effective. Here’s how to use these benefits wisely.
Key takeaways
- HSAs and FSAs let you use pre-tax dollars for qualified health expenses, including the Eight Sleep Pod.
- If eligible, most people save 20-40% on the Pod when they pay with HSA/FSA, because these dollars are tax-free. This comes out to roughly $700-$1,400 in savings on a Pod 5.
- To use your HSA or FSA funds to purchase the Pod, just choose “Pay with HSA/FSA” when you add the Pod to your cart, complete a short eligibility survey, and check out.
FSA Funds expire, while HSA funds don’t
HSA and FSA accounts both let you use pre-tax dollars for health-related expenses, which lowers the real cost of products that support your well-being, including the Pod. The big difference between them is timing.
FSAs are unique because they expire. Most FSAs reset on December 31, which means any unused funds may disappear at the end of the year. If you want the Pod to count toward your current FSA balance, it’s worth acting before the deadline. Some employers offer a small rollover or early-year grace period, but many don’t, so timing matters.
HSAs give you more flexibility. With an HSA, you’re not up against an annual deadline. Your contributions never expire, and you can use the funds at any point to purchase qualified health products. You can also buy the Pod now and reimburse yourself later; just keep your receipt.
Better sleep with the Pod is a meaningful investment in your health
High-quality sleep isn’t a luxury; it’s the foundation of long-term health.
Sleep touches nearly every physiological system: blood sugar control, heart health, immune function, hormone regulation, and cognitive performance. Improving your sleep environment is, in many cases, more impactful on your long-term health than adding another supplement, training block, or recovery device.
High-quality sleep supports the systems underlying anxiety, chronic fatigue, insomnia, depression, insulin resistance, perimenopause, post-menopause, fibromyalgia, or sleep disorders. Our clinical research shows the Pod can meaningfully improve sleep quality and recovery (peer-reviewed publication here).
Our rigorous clinical studies have demonstrated the Pod’s benefits (learn more here):
- Up to 34% more deep sleep, the stage most closely tied to hormonal and metabolic recovery (read more).
- Cardiovascular recovery improvements equivalent to 12 weeks of strength training after just one week of sleeping on the Pod (read more).
- A 13% reduction in nighttime rumination after one month, helping quiet the thinking, planning, or worrying that often disrupts sleep (read more).
- A 56% reduction in nightly hot flashes, amounting to almost 6 fewer nighttime hot flashes per week (read more).
Put simply, better sleep on the Pod translates into better health, both today and over the long run, making it exactly the kind of health-supporting expense your HSA or FSA is designed for.
How to purchase the Pod with HSA/FSA
The process is simple and takes just a few minutes.
- On the Eight Sleep website, add the Pod to your cart and check out normally.
- Choose “Pay with HSA/FSA”. This option appears directly in the payment section.
- Complete a short survey. A one-minute questionnaire verifies your eligibility.
- Select your payment method (HSA or FSA). Either path uses your pre-tax dollars: use your HSA/FSA card like any other card, or pay with your own credit card and request reimbursement through Truemed
The bottom line: Invest in better sleep for better health
You fine-tune your nutrition, training, stress management, and hydration, but sleep is the foundation that makes it all work. HSAs and FSAs are the easiest way to invest in your health foundation (sleep) with less friction and more financial efficiency.
