Can I Use HSA for CPAP Supplies? All You Need to Know

If you suffer from sleep apnea and use a CPAP machine, you may wonder if you can use your HSA (Health Savings Account) to cover the costs of CPAP supplies. The good news is, in most cases, the answer is yes!

CPAP (Continuous Positive Airway Pressure) therapy is a common treatment for sleep apnea, and it involves using a machine to help you breathe more easily during sleep. CPAP supplies typically include the machine itself, masks, tubing, filters, and more.

Here are some key points to keep in mind when using your HSA for CPAP supplies:

  • CPAP supplies are considered eligible expenses under the IRS guidelines for HSA funds.
  • You can use your HSA debit card to purchase CPAP supplies directly from a qualified provider.
  • Ensure that your purchase is specifically for the treatment of a medical condition, such as sleep apnea.
  • Save your receipts and documentation in case you need to verify the purchase in the future.

By using your HSA to cover CPAP supplies, you can save money on essential medical equipment while managing your sleep apnea effectively. It's a win-win situation for your health and your finances!


If you suffer from sleep apnea, using your HSA (Health Savings Account) to cover CPAP supplies can be a great way to manage costs while prioritizing your health. The expense eligibility for CPAP supplies includes everything from the machine to the various accessories you need for effective therapy.

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