What Are Loop Earplugs
Loop makes reusable earplugs with a small ring that sits in your outer ear. You might recognize them at a concert, on a commute or beside someone's bed. No batteries and no music, just a physical design that turns down the sound around you.
Loop's core earplug range starts at $24.95 for Quiet 2 and tops out at $59.95 for Switch 2. Loop aims Quiet 2 and Dream at sleep, Experience 2 at concerts, and Engage 2 at conversations and noise sensitivity. Switch 2 has three adjustable modes, while Engage Kids 2 is sized for children ages 6–12.
If sound is part of a health condition you're managing, earplugs can do a medical job too. A Letter of Medical Necessity (LMN) puts that in writing, so pre-tax HSA or FSA money can pay for them.
Why Loop Earplugs Qualify for HSA/FSA
Loop earplugs qualify once a licensed provider documents what they do for your health condition. IRS Publication 502 includes “diagnosis, cure, mitigation, treatment, or prevention of disease” in its definition of medical expenses. The rule is the same whether you have an HSA or FSA, and our HSA/FSA eligible-items list shows noise-reducing earplugs as eligible with an LMN.
These are some of the common conditions a provider can document for earplugs:
- Misophonia. Specific sounds can trigger intense emotional reactions. Cleveland Clinic lists earplugs among the common items people with sound sensitivities, including misophonia, can use to adapt to or manage the condition. Loop points people with misophonia to its Engage 2 earplugs, which filter noise rather than block it.
- Autism-related sound sensitivity. Busy healthcare environments can be difficult for autistic people with sensory sensitivities. Leicestershire Partnership NHS Trust includes earplugs among adjustments for these settings. Loop's autism page points to its Engage 2 earplugs, which it designs to reduce noise while keeping conversation clear.
- Hyperacusis. For people who find everyday sounds much louder than they should be, the NHS says short-term use of earplugs or muffs may help in very noisy environments, and advises “do not wear earplugs or muffs all the time because this could make you more sensitive to noise.” Loop's noise-sensitivity page, which covers hyperacusis, points to Engage 2 for noisy environments.
- Noise-induced hearing loss prevention. The National Institute on Deafness and Other Communication Disorders recommends earplugs during loud activities to protect hearing. Loop markets Experience 2 for concerts and live events, making hearing protection a relevant medical purpose for a provider to document.
- Insomnia worsened by noise. The NHS lists noise as a cause of insomnia and suggests earplugs if needed to keep the bedroom quiet. That's where Quiet 2 and Dream, the models Loop markets for sleep, come in.
Managing a different condition where sound is part of the problem? If your provider ties earplugs to it, they qualify for that as well.
How to Get Loop Earplugs Covered With a Letter of Medical Necessity
Pick whichever route suits you for a Letter of Medical Necessity covering Loop earplugs:
- Through Crates, typically in under 24 hours. Your request begins online, with a health assessment you can finish in 2 to 3 minutes. A licensed provider reviews it, and if you qualify, your letter is issued for earplugs. That LMN covers your earplugs for 12 months and renews each year.
- Through your own doctor, a few days to a few weeks. Book a visit with your provider. Ask them to document how earplugs help prevent, manage, or reverse your health condition for HSA/FSA use. Before using the letter, make sure your provider has signed and dated it. A copay can apply to the visit.
How to Buy Loop Earplugs With HSA/FSA Funds
The order matters: letter first, then earplugs. Buy your pair wherever you like, then get your money back.
- Get your Letter of Medical Necessity first. Either route above works: Crates or your own doctor.
- Buy your Loop earplugs anywhere. Use your personal card to buy your pair online or in store. Hold on to the itemized receipt showing the item and amount paid.
- Get your funds back. With one-click reimbursement, Crates files your claim using those documents; if you prefer to handle it, upload the letter and receipt yourself. For your HSA tax records, save both the letter and the receipt.
Which Loop Earplugs Models Qualify
Each model below qualifies with an LMN documenting its medical purpose, whether you're buying for sleep, concerts or conversations. The table uses Loop's regular US list prices, checked October 19, 2026. The descriptions are Loop's own take on each model.
| Model and regular price | What it is | HSA/FSA eligibility |
|---|---|---|
| Quiet 2: $24.95 | Soft silicone earplugs for sleep, focus and travel | Yes, with an LMN |
| Dream: $49.95 | Earplugs designed for sleep and side-sleeping comfort | Yes, with an LMN |
| Experience 2: $34.95 | Filtered earplugs for concerts and live events | Yes, with an LMN |
| Experience 2 Plus: $44.95 | Experience 2 with Loop Mute for extra noise reduction | Yes, with an LMN |
| Engage 2: $34.95 | Noise-filtering earplugs for conversation and noise sensitivity | Yes, with an LMN |
| Engage 2 Plus: $44.95 | Engage 2 with Loop Mute for extra noise reduction | Yes, with an LMN |
| Engage Kids 2: $34.95 | Smaller earplugs for children ages 6–12 | Yes, with an LMN |
| Switch 2: $59.95 | Earplugs with three adjustable noise-reduction modes | Yes, with an LMN |
Paying with pre-tax HSA/FSA funds saves up to 30%. At a combined 30% tax rate, a $24.95 pair of Quiet 2 earplugs keeps $7.49 off your tax bill, so the pair effectively costs you $17.46 before sales tax and shipping. Your actual savings depend on your tax rates and how you fund the account.
