Is CPAP Machine HSA/FSA Eligible?
Prescribed treatment device for a diagnosed condition (sleep apnea). Supplies and cleaning solutions for it are eligible too.
How the rule applies
A CPAP machine treats sleep apnea, a diagnosed condition, and is prescribed by a doctor. The machine, the mask, the tubing and the filters are all eligible, as are cleaning supplies made for the device.
What to keep for your records
Keep the receipts and the prescription from your sleep doctor. If the machine is a rental, the monthly payments are eligible as you pay them.
Watch out for
Replace parts on the schedule your supplier gives you, and claim each purchase separately. Accessories not tied to the machine, such as general sleep pillows, are a different question.
Where to buy it HSA/FSA-eligible
Pay with your HSA or FSA card directly, or buy elsewhere and save the receipt to submit for reimbursement.
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HSA-Eligible Expenses
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Letters of Medical Necessity
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HSA/FSA Reimbursement & Documentation
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This ruling applies the HSA/FSA account rules (IRC §223, IRS Pub. 969), the medical-care definition they rely on (IRC §213(d), IRS Pub. 502) and any later statutory change or IRS guidance listed above. It is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.