Are Pillows HSA Eligible? Understanding HSA Eligibility for Pillows

If you are wondering whether pillows are HSA eligible, you are not alone in your confusion. Health Savings Accounts (HSAs) are a great tool for saving money on eligible healthcare expenses, but the rules around what items qualify for HSA reimbursement can be tricky to navigate.

When it comes to pillows, the answer is: it depends. In general, pillows are considered eligible for HSA reimbursement if they are used to treat a specific medical condition, such as sleep apnea or chronic neck pain. However, pillows that are simply for comfort or aesthetic purposes are typically not considered eligible expenses.

Here are some key points to consider when determining if pillows are HSA eligible:

  • Pillows must be prescribed by a healthcare provider to treat a specific medical condition.
  • Pillows for general comfort or luxury purposes are not eligible for HSA reimbursement.
  • Documentation, such as a prescription or a Letter of Medical Necessity, may be required to prove the medical necessity of the pillows.

Before making a purchase with your HSA funds, it is always advisable to consult with a tax professional or your HSA provider to ensure that the item meets the eligibility criteria set forth by the IRS.


Wondering whether pillows can be covered by your Health Savings Account (HSA)? You’re not alone. Navigating HSA eligibility can often feel overwhelming when it comes to specific items. In the case of pillows, the eligibility largely depends on their intended purpose and whether they are prescribed by a medical professional.

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