I Just Discovered That These Editor-Loved Bedsheets Are FSA Eligible, Here’s How It Works

I hate to be the one to say it, but we’re a little over a week away from 2026. As much as I want to just lie down until the new year, there’s a growing list of life admin things that need my attention before 2025 wraps — like spending my Flexible Spending Account (FSA) funds. If you have an FSA, then you know that if you don’t use those dollars, you lose ’em. Which is all the more reason to take yourself on a little shopping spree. 

You can, of course, use your funds for eligible medical expenses like over-the-counter medications, prescription eye glasses, first aid supplies, even sunscreen and acne products. But if you need more ideas, I just learned that select Cozy Earth bedding is also FSA eligible, namely their editor-favorite Bamboo Sheets. Incredible, I know. 

“Eligible” is the operative word here. Cozy Earth partners with a third-party platform called Truemed that allows qualifying shoppers to use their FSA funds to purchase eligible items. All you need to do is check out as a guest and select “Truemed – Pay with HSA/FSA” as your payment method, then follow the prompts to confirm whether you qualify and voilà! New sheets. I highly recommend giving it a try before your FSA expires — specifically on the brand’s famous Bamboo Sheets. Here’s why. 

Apartment Therapy’s senior shopping editor, Britt Franklin, raves about Cozy Earth’s best-selling Bamboo Sheets. “They’ve become the primary sheets for my bed. I even got a backup set for my bedroom (so I can alternate them on laundry days) and another set for the guest room!” she wrote in her review. 

Made from bamboo-derived viscose, the sheets have a luxe, silky soft texture that’s naturally breathable to give you a cool night’s sleep. “The sheets kept me cool, and they’re moisture-wicking so I didn’t get that sticky feeling of being too hot in bed,” Britt confirmed. Cozy Earth also claims that the sheets get better with every wash, and they actually do. “The softness and smoothness stayed consistent every single night, and I was blown away,” Britt said. “I thought it was too good to be true, even convincing myself that washing the sheets would diminish them somehow, but no … They only got better!” 

Another thoughtful detail, Cozy Earth made these sheets perfectly oversized, so they fit over thick deep-pocketed mattresses with ease, which means your days of wrestling with your fitted sheet are over (finally!). 

“We LOVE these sheets! Our adjustable bed has never felt so cozy and yet cool. We live in the South where it is often hot and humid. These are perfect for us. The sheets are soft, keep us cool, and fit our mattress well. I tried another brand of bamboo sheets and they just were not like these. I returned those and got what I really wanted — Cozy Earth! So far, I have the CE mattress pad, blanket, pillow (which helped my neck issues) and now the sheets. It doesn’t get better than this for a good night’s sleep!” —Jane W.

“Never thought I’d pay this much for sheets, but after giving them a try, I’m sorry I waited so long! They are so comfortable, and I get a much better sleep with them! They wash well, fit well, look luxurious, and are so comfy! I will be a loyal customer! Thank you!” —Barbara R. 

“These sheets are the softest, most comfortable sheets. They wash so well and last so long. This is my fourth set, as I’ve replaced all my other bed sheets with Cozy Earth. My guests always comment on how comfortable and cozy they are. I highly recommend!” —Tina F. 

While the Bamboo Sheet Set is admittedly pricey, Britt (who has tested hundreds of sheets at various price points) — and thousands of Cozy Earth shoppers — agree that they’re worth the splurge. So don’t let your FSA funds go to waste! Grab yourself a set for better sleep in 2026. 

Buy: Cozy Earth Bamboo Sheet Set, $216 (normally $330)