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Days Left: Don’t Let FSA Dollars Expire!

For Business

For Shoppers

For Business

For Shoppers

For Business

For Shoppers

Flex for

sleep Brands

Flex for

sleep Brands

Flex for

sleep Brands

Unlock new revenue by making your sleep wellness products HSA/FSA eligible

Boost checkout conversion by 30% and AOV by 50% with the only HSA/FSA payments solution built for leading sleep wellness brands

Trusted by top sleep brands

The Problem

The missed opportunity in sleep health benefit spending

Most customers don’t realize that sleep wellness products may qualify for HSA/FSA spending when shopping, and will frequently drop-off from checkout if they think they require a Letter of Medical Necessity for their products and can’t get one now. Sleep wellness brands lose a lot of revenue due to this friction related to their products.

Frustrated customers

Eligibility confusion

Frustrated customers

Eligibility confusion

Abandoned carts

Manual claims

Abandoned carts

Manual claims

Out-of-pocket spend

Reimbursement wait

Out-of-pocket spend

Reimbursement wait

No LMN access

Payment declines

No LMN access

Payment declines

Lost HSA dollars

Checkout drop-off

Lost HSA dollars

Checkout drop-off

Automatic eligibility

Instant LMN

Automatic eligibility

Instant LMN

Direct HSA/FSA pay

Seamless checkout

Direct HSA/FSA pay

Seamless checkout

Lower customer costs

Satisfied customers

Lower customer costs

Satisfied customers

Completed purchases

Faster approvals

Completed purchases

Faster approvals

Streamlined access

Captured HSA dollars

Streamlined access

Captured HSA dollars

The Solution

Your all-in-one HSA/FSA payment solution for sleep wellness

Flex helps mattress and sleep wellness brands unlock the $150B+ HSA/FSA market with seamless checkout and instant Letters of Medical Necessity. Customers can pay directly using their HSA/FSA cards—no paperwork, no reimbursement, no hassle. You gain a powerful new revenue stream while helping shoppers save on products that improve sleep and overall health.

Effortless HSA/FSA payments

Enable seamless HSA/FSA payments for sleep products in-app or on your website. We handle the complexity of split cards, subscriptions, and more.

Autopilot compliance

Automatically verify sleep product HSA/FSA eligibility before and after your customers purchase. We automatically generate a Letter of Medical Necessity if required to stay in compliance.

Smarter insights

Access powerful dashboards and insights to identify your customers' spending trends and generate more revenue.

Why Flex

HSA/FSA eligibility made simple for sleep

Boost conversion and increase order value

Flex’s streamlined checkout drives up to 30% higher conversion and 50% higher AOV by letting customers pay for sleep wellness products and services directly with their benefits.

Monthly Overview

Ura sleep

Time Period

Q3, FY25-26

Conversion %

12.4%

29%

AOV

$1034.00

48%

Top Benefit Plans Opted

30%

20%

10%

40%

sleep Membership

End-to-end solution to accept HSA/FSA payments for sleep

Flex automatically verifies sleep wellness product eligibility, processes HSA/FSA cards, and generates LMNs in under a minute—removing the paperwork and frustration that cause drop-off.

Latest Orders

Cart

John Doe

Invoice #32414

Letter of Medical Necessity

Checkout

Payouts

Easy-to-integrate solution for enterprise and smaller brands

Whether you’re on Shopify, another ecommerce platform, or running custom checkout flows, Flex fits seamlessly into your stack. Most sleep brands launch in less than a day.

Trusted, experienced team

From setup to scale, our team ensures you get live quickly, implement best practices, and capture demand. Plus, we’ll feature your brand across our channels to our high-intent HSA/FSA shoppers.

The Impact

Why our customers love Flex

Conversion Lift

+30%

More shoppers complete checkout with HSA/FSA

Conversion Lift

+30%

More shoppers complete checkout with HSA/FSA

Conversion Lift

+30%

More shoppers complete checkout with HSA/FSA

AOV Lift

+50%

Customers spend more using health benefit funds

AOV Lift

+50%

Customers spend more using health benefit funds

AOV Lift

+50%

Customers spend more using health benefit funds

Fewer Returns

-10%

Fewer returns when buyers use pre-tax dollars

Fewer Returns

-10%

Fewer returns when buyers use pre-tax dollars

Fewer Returns

-10%

Fewer returns when buyers use pre-tax dollars

Repeat Buyers

+92%

Of customers said they'll return because of HSA/FSA

Repeat Buyers

+92%

Of customers said they'll return because of HSA/FSA

Repeat Buyers

+92%

Of customers said they'll return because of HSA/FSA

Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy.

Alex Burcham

Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy.

Alex Burcham

Setup was quick and painless. Giving customers another option, especially given our higher average order value, makes our product more accessible to people who might not otherwise have had the funds to buy.

Alex Burcham

FAQs

Need more help? Reach out to a Flex Specialist today.

What is HSA/FSA?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are tax-advantaged accounts that allow individuals to set aside pre-tax dollars for qualified medical expenses. Many Americans use these accounts to pay for everyday health-related purchases—including eligible sleep wellness products like mattresses, bedding, sleep tech, and clinical sleep aids.

What is HSA/FSA?

How do I know if the sleep products I sell are HSA/FSA eligible?

Flex automatically verifies the eligibility of each sleep wellness product you sell, and will flag which ones can be made HSA/FSA eligible—with or without a Letter of Medical Necessity (LMN).

How do I know if the sleep products I sell are HSA/FSA eligible?

Flex automatically verifies the eligibility of each sleep wellness product you sell, and will flag which ones can be made HSA/FSA eligible—with or without a Letter of Medical Necessity (LMN).

How do I know if the sleep products I sell are HSA/FSA eligible?

Flex automatically verifies the eligibility of each sleep wellness product you sell, and will flag which ones can be made HSA/FSA eligible—with or without a Letter of Medical Necessity (LMN).

Can Flex help customers get a Letter of Medical Necessity (LMN) my for sleep wellness products during checkout?

Yes! While your customers are shopping for sleep wellness products that are HSA/FSA eligible with a Letter of Medical Necessity, they can connect directly with a healthcare practitioner that can provide one instantly. LMNs are emailed to customers within 24 hours.

Can Flex help customers get a Letter of Medical Necessity (LMN) my for sleep wellness products during checkout?

What types of sleep wellness products can I sell that are typically HSA/FSA eligible?

Mattress & Bedding

Sell physical products aimed at improving sleep

With Letter of Medical Necessity

Mattress brands
Pillow & bedding (select items)
Weighted blankets
Smart beds / adjustable bases

Sleep Tech

Provide tools and devices to monitor, track, or optimize sleep

With Letter of Medical Necessity

Wearables (Oura, Fitbit)
Blue light blockers
Smart alarm clocks

Clinical Sleep Products

Address medical sleep disorders or offer clinical-grade interventions

Always Eligible

CPAP/BiPAP devices
Telehealth sleep clinics
Sleep apnea diagnostics
Behavioral sleep therapy

What types of sleep wellness products can I sell that are typically HSA/FSA eligible?

Mattress & Bedding

Sell physical products aimed at improving sleep

With Letter of Medical Necessity

Mattress brands
Pillow & bedding (select items)
Weighted blankets
Smart beds / adjustable bases

Sleep Tech

Provide tools and devices to monitor, track, or optimize sleep

With Letter of Medical Necessity

Wearables (Oura, Fitbit)
Blue light blockers
Smart alarm clocks

Clinical Sleep Products

Address medical sleep disorders or offer clinical-grade interventions

Always Eligible

CPAP/BiPAP devices
Telehealth sleep clinics
Sleep apnea diagnostics
Behavioral sleep therapy

What types of sleep wellness products can I sell that are typically HSA/FSA eligible?

Mattress & Bedding

Sell physical products aimed at improving sleep

With Letter of Medical Necessity

Mattress brands
Pillow & bedding (select items)
Weighted blankets
Smart beds / adjustable bases

Sleep Tech

Provide tools and devices to monitor, track, or optimize sleep

With Letter of Medical Necessity

Wearables (Oura, Fitbit)
Blue light blockers
Smart alarm clocks

Clinical Sleep Products

Address medical sleep disorders or offer clinical-grade interventions

Always Eligible

CPAP/BiPAP devices
Telehealth sleep clinics
Sleep apnea diagnostics
Behavioral sleep therapy

Do I need to change my existing checkout or payments system?

No. Flex is designed to work with your existing stack—whether you’re on Shopify or using a custom ecommerce platform. Integration is fast and flexible.

Do I need to change my existing checkout or payments system?

No. Flex is designed to work with your existing stack—whether you’re on Shopify or using a custom ecommerce platform. Integration is fast and flexible.

Do I need to change my existing checkout or payments system?

No. Flex is designed to work with your existing stack—whether you’re on Shopify or using a custom ecommerce platform. Integration is fast and flexible.

How long does it take to get set up?

Most sleep wellness brands can launch with Flex in less than a day. Our team provides hands-on support to guide integration, compliance, and launch best practices that are tailored to the sleep industry’s needs.

How long does it take to get set up?

Resources

Latest sleep news & insights

Flex - Are Mattresses HSA or FSA Eligible?

Save on Sleep: Are Mattresses HSA or FSA Eligible?

Consumer Resources

Flex - Benefits of Accepting HSA/FSA Payments

Why Accepting HSA/FSA Payments Will Help Grow Your Business

Merchant Resources

What Are HSAs and FSAs? A Comprehensive Guide

Consumer Resources

How Chilipad by Sleepme Improved Click Through Rates by 8.3%

Customer Stories

Save on Sleep: Are Mattresses HSA or FSA Eligible?

Consumer Resources

Why Accepting HSA/FSA Payments Will Help Grow Your Business

Merchant Resources

What Are HSAs and FSAs? A Comprehensive Guide

Consumer Resources

How Chilipad by Sleepme Improved Click Through Rates by 8.3%

Customer Stories

Save on Sleep: Are Mattresses HSA or FSA Eligible?

Consumer Resources

Save on Sleep: Are Mattresses HSA or FSA Eligible?

Consumer Resources

Why Accepting HSA/FSA Payments Will Help Grow Your Business

Merchant Resources

Why Accepting HSA/FSA Payments Will Help Grow Your Business

Merchant Resources

What Are HSAs and FSAs? A Comprehensive Guide

Consumer Resources

What Are HSAs and FSAs? A Comprehensive Guide

Consumer Resources

How Chilipad by Sleepme Improved Click Through Rates by 8.3%

Customer Stories

How Chilipad by Sleepme Improved Click Through Rates by 8.3%

Customer Stories

Get a Demo

Ready to accept sleep HSA/FSA payments?

Let us guide you through this process. Share a few details and our customer service specialist will reach out to you within 24 hours.