Are Purple Mattresses HSA/FSA Eligible? Yes, Here's How!

What Is Purple?

Purple is the mattress brand with the squishy purple grid you can press with your hand in a showroom. The company calls it the GelFlex Grid and describes its flexible structure as a way to relieve pressure while supporting the body.

Its current mattress collections span Essential, Restore and Rejuvenate, with regular queen starting prices of roughly $1,300, $2,700 and $5,500, respectively. Construction and firmness vary across the range, so your provider can help match the model to your back.

Purple also sells pillows, adjustable bases and bedding. The Harmony pillow, starting around $230, combines a latex core with a thin grid layer and comes in three heights. SoftStretch sheets and head-elevating bases serve different purposes from the mattress itself.

Crates members ask us about Purple. For HSA/FSA use, match the product to your condition: a mattress for back pain or insomnia, a Harmony pillow for neck pain, or an adjustable base for nighttime reflux.

Why Purple Qualifies for HSA/FSA

Purple qualifies when the purchase serves a specific medical purpose documented in a Letter of Medical Necessity. A bed bought for general comfort is a personal purchase; one your provider recommends for a condition is a medical one.

IRS Publication 502 defines medical expenses to include the “diagnosis, cure, mitigation, treatment, or prevention of disease.” A licensed provider connects the Purple product to your condition in your Letter of Medical Necessity, and that is what makes it HSA/FSA eligible. Conditions that can support a letter include:

• Chronic low back pain: Firmness matters. A randomized trial of 313 adults found less pain in bed and less disability after 90 days on medium-firm mattresses than on firm ones. Your provider can note the support and firmness that suit your back.
• Chronic neck pain: A pillow that keeps your neck supported can be part of your care plan. A 2025 systematic review found some support for specific pillows used alongside other neck-pain care. Purple's Harmony pillow comes in three heights, so your letter can name the one that fits.
• Insomnia: When an uncomfortable bed keeps you awake, a supportive mattress can be part of your sleep plan. MedlinePlus advises getting a comfortable mattress, because one that is lumpy, too soft or too hard makes it hard to sleep.
• Nighttime reflux from GERD: NIDDK lists raising your head 6 to 8 inches during sleep among the changes a doctor may recommend. An adjustable base raises your head and upper back, so your letter can name the Purple base for this condition.

How to Get Purple Covered With a Letter of Medical Necessity

Crates keeps this to three steps: get your letter, buy the Purple product it names, and get your HSA/FSA funds back. Our HSA vs. FSA guide explains how the two accounts differ.

You don't need to buy your Purple mattress through any particular retailer's checkout to use HSA or FSA funds. Get your Letter of Medical Necessity first, through your doctor or through Crates, then buy your Purple mattress wherever you'd like with your personal card.

Your letter should include:

• Your condition and the specific Purple product or product category
• How its support, fit or elevation helps manage that condition
• The provider's signature, date and recommended period of use

Option 1: Through Your Doctor

If you already see a provider for your condition, they can write the letter:

• Book a visit and say you want to buy a Purple mattress or sleep product with HSA/FSA funds
• Ask them to document how this product category helps prevent, manage, or reverse your condition
• Make sure the letter is signed and dated
• Timeline: a few days to a few weeks, and you may owe a copay

Option 2: Through Crates

Crates streamlines the same process online:

• Complete a short health assessment, about 2 to 3 minutes
• A licensed provider reviews it, typically within 24 to 48 hours
• If you qualify, your Letter of Medical Necessity is issued for the Purple mattress or sleep product
• Buy the Purple mattress or sleep product with your personal card at any retailer
• Use Crates one-click reimbursement to get your HSA/FSA funds back
• Your LMN stays valid for 12 months and renews each year

You do not need a pharmacy prescription; the letter itself is what establishes eligibility.

Which Purple Products Qualify?

Purple mattresses, pillows and adjustable bases are HSA/FSA eligible when your letter names them for your condition.

For the rules across brands, see our guide to HSA/FSA-eligible mattresses.