In partnership with Happiest Baby.
May 1, 2026

I Used My HSA to Pay for a SNOO – Here's How You Can Too (And Save Hundreds in the Process)

Start Here
In partnership with Happiest Baby.
May 1, 2026

I Used My HSA to Pay for a SNOO – Here's How You Can Too (And Save Hundreds in the Process)

Start Here

When I started thinking about everything I'd need for my first baby, SNOO kept landing at the top of my list. But, despite so many parents sharing it was the best investment they’d made, I wasn’t sure I could squeeze it into the budget. Then a friend mentioned something that completely changed my calculus: she paid for her SNOO with her HSA.

Turns out, thanks to a Letter of Medical Necessity, SNOO is an eligible expense under HSA and FSA plans – meaning you can use pre-tax dollars to cover it and save hundreds in the process. Below, I'm breaking down exactly how it works.

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How Much You'll Actually Save

Happiest Baby estimates qualified customers save about 30% on average, and up to 30–40% depending on your tax situation. On a new SNOO, that can mean hundreds of dollars back in your pocket. That makes a big difference when you’re budgeting with a baby! 

How to Get Your SNOO Covered – Step by Step

Happiest Baby has partnered with Truemed to make the process easy:

  1. Add SNOO to your cart and select the Truemed option at checkout.
  2. Complete a short health survey through Truemed to determine eligibility.
  3. If you qualify, you'll receive a Letter of Medical Necessity.
  4. Pay with your HSA/FSA card directly – or pay out of pocket and submit for reimbursement from your plan administrator.

A Few Things to Know Before You Buy

Not all accounts apply equally: a dependent care FSA won't cover SNOO – you'll need a healthcare FSA or HSA. If your FSA is about to expire at year-end, this is a particularly smart way to put those "use-it-or-lose-it" dollars to work. And if you're eyeing the Certified Pre-Loved SNOO ($1,195) or SNOO Rental for a lower price point, good news: they;re also HSA/FSA eligible for qualified customers.

Between the sleep, the safety, and the sanity it's brought to our household, SNOO is totally worth it.

Buy With Your HSA/FSA Dollars Here

Rent With Your HSA/FSA Dollars Here

Use Your HSA/FSA to Buy or Rent SNOO
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