How to Use Your HSA/FSA Funds to Support Better Sleep in the New Year

Summary 

A new year means a fresh set of HSA/FSA dollars — and a chance to invest in wellness tools you’ll use all year long. This guide breaks down how better sleep can support every other goal on your list. You’ll also learn how eligible Hatch Restore can make your sleep routine simpler, calmer, and easier to stick with.

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The beginning of a new year is the perfect time to kickstart habits. Known among researchers as “temporal landmarks,” fresh start dates increase motivation and the likelihood you’ll actually stick with the changes you make. Another equally exciting part of the new year? Fresh HSA/FSA funds to invest in your wellness goals. It’s a great opportunity to put your pre-tax dollars toward products that will support your wellness goals all year long.

Below, learn more about why you should start considering your New Year wellness goals now, how FSA/HSA-eligible Hatch Restore can help you on the journey, and what to know about using your funds. 

Table of contents

1. Why Better Sleep Should Be Your Top Wellness Goal in 2026
2. Why Hatch Restore is the Best HSA/FSA Investment for Your 2026 Wellness Goals
3. How to Use Your HSA/FSA Funds for Sleep and Wellness in 2026
4. Key Takeaways
5. FAQs
6. References 

Why Better Sleep Should Be Your Top Wellness Goal in 2026

No matter your wellness goals for 2026, better sleep is the foundation. Quality sleep makes every other wellness goal easier, more sustainable, and more enjoyable. When you’re well-rested, your brain regulates stress more effectively, your mood stays steadier, and your motivation naturally rises, making it far more likely you’ll follow through on habits like morning workouts, reduced screen time, mindfulness practices, or healthier meal planning. 

Sleep also sharpens focus and decision-making, which helps you stick to routines instead of relying on willpower alone. In other words, better sleep amplifies the benefits of every intention you set for the new year. 

Why Hatch Restore is the Best HSA/FSA Investment for Your 2026 Wellness Goals 

Hatch Restore is designed to make healthy habits easier by giving you structure, consistency, and built-in cues that support your sleep health all year long. Instead of relying on dwindling willpower at the end of a long or tiring day, Restore guides you into a calming Unwind Routine with soothing sounds, soft lights, and personalized reminders. Need help going phone-free? Restore’s Goodnight, Phone feature reminds you to put your phone away before starting your routine, helping you focus on relaxing activities that support deeper sleep.

In the morning, wake up to a Sunrise Alarm helps you start the day gently, without the shock of your phone alert (or the temptation to hit snooze and skip out on your morning workout). 

Because Restore is HSA/FSA eligible, you get all these long-term benefits using pre-tax dollars. It’s a practical investment with year-round payoff of better sleep, stronger routines, and more energy for every wellness intention you set for the new year. 

How to Use Your HSA/FSA Funds for Sleep and Wellness in 2026

Before you start shopping, confirm the product you want is officially FSA or HSA eligible. The easiest way to check is by browsing the online FSA Store or HSA Eligibility Lists. Both outline which wellness items qualify automatically and which may require a Letter of Medical Necessity (LMN), a form from a medical provider stating that a specific product supports your health needs.

Once you’ve confirmed eligibility, you have a few ways to use your funds. If the retailer accepts HSA/FSA cards directly, you can pay at checkout just like you would with any debit card. If not, save your itemized receipt and submit it through your HSA or FSA portal for reimbursement (most platforms allow quick uploads through an app). Keep in mind your purchase must be made within your benefits year, and reimbursements often require proof of both cost and medical purpose.

Key Takeaways

• The new year is the perfect time to look at your fresh HSA or FSA funds and think about how to use them to support your health and wellness goals for the months ahead.
• Before putting that pre-tax money to work, take a moment to reflect on your goals for the new year and confirm that the product you’re eyeing is officially HSA/FSA eligible.
• If your goals include building a consistent sleep routine, falling asleep faster, or waking up more refreshed, Hatch Restore is a smart, year-round investment that supports all the habits you want to create in 2026.

Learn how Hatch Restore can help you meet all your sleep and wellness goals in 2026 and beyond.

Frequently Asked Questions

Is every sleep product automatically HSA/FSA eligible?

No. Only specific sleep tools, typically those that support a diagnosed sleep need or those that fall under wellness categories outlined by HSA/FSA guidelines, are eligible. Always confirm eligibility before purchasing.

Can I buy an HSA/FSA-eligible product now and get reimbursed later?

Yes. As long as the purchase is made within your benefits year and you keep an itemized receipt, most administrators allow reimbursement after the fact through your online portal or app.

Do unused HSA/FSA funds roll over into the next year?

It depends on your plan. HSAs usually roll over automatically, while FSAs may offer a small rollover amount or a brief grace period. Check your specific plan so you don’t lose funds you intended to use.

References

1. Chaput, J.-P., Dutil, C., Featherstone, R., Ross, R., Giangregorio, L., Saunders, T. J., Janssen, I., Poitras, V. J., Kho, M. E., & Ross-White, A. (2020). Sleep timing, sleep consistency, and health in adults: A systematic review. Applied Physiology, Nutrition, and Metabolism, 45(10), S232–S247. https://doi.org/10.1139/apnm-2020-0032
2. Chaput, J.-P., Dutil, C., & Featherstone, R. (2020). Sleep duration and health in adults: An overview of systematic reviews. Applied Physiology, Nutrition, and Metabolism, 45(10), S232–S247.
3. Gao, C., et al. (2022). Sleep duration/quality with health outcomes: An umbrella review. Frontiers in Medicine, 9, 813943. https://www.frontiersin.org/journals/medicine/articles/10.3389/fmed.2021.813943/
4. Dai, H., & Li, C. (2019). How experiencing and anticipating temporal landmarks influence motivation. Current Opinion in Psychology, 26, 44–48. https://doi.org/10.1016/j.copsyc.2018.04.012