Gen Z Pours HSA Dollars Into Sleep Products, Driving Top Spending Category After Supplements
Updated
Updated · USA TODAY · Aug 5
Gen Z Pours HSA Dollars Into Sleep Products, Driving Top Spending Category After Supplements
2 articles · Updated · USA TODAY · Aug 5
Summary
Truemed’s review of more than 1 million HSA and FSA orders from January 2025 to May 2026 found Gen Z spent more on sleep-related products than any category except supplements.
About 55% of Gen Z adults and millennials have HSAs, and many are using those tax-advantaged accounts to buy wellness items they might otherwise skip amid cost-of-living pressure.
One buyer, 29-year-old Nick Smart, used HSA funds for a roughly $2,400 cooling mattress topper after his newborn son disrupted sleep, saying he likely would not have paid from daily living budgets.
The spending surge comes as sleep problems remain widespread: 45% of adults say family responsibilities hurt their ability to sleep well, while sleep specialists warn viral 'SleepMaxxing' trends and supplements often lack strong evidence.