Americans spend billions on sleep products every year. Mattresses, trackers, pillows, cooling systems. Almost all of it paid out of pocket.

For qualified customers managing a diagnosed sleep disorder or a condition that disrupts sleep, certain sleep products may qualify as HSA-eligible medical expenses with proper documentation.

If sleep is already a line item in your budget, it may not need to be an out-of-pocket one.

Home gym equipment is one of the most common "health purchases" people make, and one of the least likely to be run through an HSA.

For qualified customers managing conditions like hypertension, diabetes, obesity, or musculoskeletal disorders, fitness equipment recommended as part of a treatment plan may be eligible for HSA or FSA spending.

The equipment you're already buying may qualify. Most people just never ask.