How to Use HSA Or FSA Account to Buy CPAP Products

Using HSA or FSA to purchase CPAP Equipment

Medical coverage with your employer may include a Flexible Spending Account (FSA) or a Health Savings Account (HSA). People and families who have these plans often get a good tax savings across a number of areas including durable medical equipment such as CPAP masks and machines.

What is the Difference Between an HSA and FSA Account?

Health Savings Accounts are managed by you and roll over every year. They can even roll over when you leave your job. Flexible Spending Accounts are less flexible. They are owned by the employer and you may lose your benefits once your employment ends. The funds have to be used every year or they are lost.

Here is a comparison of everything your HAS and FSA accounts have to offer. 

Who owns the account?Employee, individualEmployer, but held in employee’s name
Who can contribute to the account?Employee, employer, or bothEmployer, employee, or both
Can the account be moved to other employers?Yes, the account is fully portable.No, the account cannot be moved
Can the funds be rolled over?Yes, the funds can be rolled overOnly at the discretion of the employer
When are funds available?Funds are available as they are depositedThe full amount of the account is available starting on the first day of the coverage year
Are retirees covered?Yes, retirees can be covered.No, retirees cannot be covered.
Can Medicare participants use the accounts?No, contributions cannot be made once the individual has Medicare coverage.Yes, there are no limits to contributions.

Are Retirees Covered? 

If you are nearing retirement, it’s best to use any funds in your Flexible Spending Account before your retirement date to avoid forfeiture.

Your Health Savings Account on the other hand can still be accessed after retirement. You can use that money for medical expenses including durable medical equipment. 

Does an HSA or FSA Account Cover the Cost of a CPAP Machine?

Both an HSA and a FSA will reimburse you for a CPAP machine purchase. There are no restrictions on the purchase. Just use your FSA/HAS card when you check out. 

Does HSA Or FSA Cover New CPAP Masks and Parts?

Your HAS and FSA account pays for more than just CPAP machines. You can get new masks and essential replacement supplies such as hoses, headgear, cleaning products and filters. 

How to Claim CPAP Equipment

Because your CPAP equipment and supplies are used for treating a medical condition, they are always eligible for purchase with your HSA or FSA debit card or as cash reimbursement after you pay out of pocket. 

Use your account to purchase replacement supplies throughout the year per your manufacturer’s replacement recommendations or upgrade your CPAP machine.

You just need a completed claim form and expense statements. Expense statements should include: 

  • Date of service
  • Customer (or patient) name
  • Name of service provider (health care provider or merchant)
  • Service provider contact information
  • Type of service
  • Description of expenses — Customer cost (the customer’s responsibility for services rendered)

Does The CPAP Shop Accept HSA or FSA Accounts for CPAP Products?

The CPAP Shop accepts both HSA and FSA accounts. You can easily make all of your essential CPAP purchases online.

If you have further questions about using your HSA or FSA accounts to make purchases at The CPAP Shop speak to our expert customer care team. They are here to help. Give us a call at 866-414-9700 or email us at

This post was updated from its original version on March 2, 2021.

Chris Vasta CPAP Expert & President at The CPAP Shop


Chris Vasta

Over a 10+ year career at PHH Mortgage managing a $100 million portfolio, Chris Vasta learned the ins and outs of the business world. He learned how to establish business relationships, lead a multi-prong team, and implement strategies for long-term growth. In 2007, Vasta used that experience to transition his role into president of The CPAP Shop. Over his tenure, Vasta has been involved in everything from website design to warehouse layout. His hands-on approach with customers has evolved into an in-depth understanding of the challenges of beginning and adhering to sleep therapy. He often provides his insights on product…