At Mulberry Park Silks, we have always believed that genuine silk is much more than a beautiful luxury. The sleep surface you choose touches your skin and hair for hours every night, and for some people, that makes the unique properties of pure silk especially meaningful. That is why we are pleased to announce that qualified customers can now use HSA and FSA funds to purchase select silk bedding.
What is a Flexible Spending Account?
An FSA (flexible spending account) is typically a benefit offered through your employer. Healthcare FSAs can cover eligible medical, dental, and vision expenses.
Some employers will contribute to this fund as part of your benefits package. Employees choose how much is withheld from each paycheck, with contributions typically made on a pre-tax basis. For plans beginning in 2026, employees have the option to contribute up to $3,400 to this account. The full annual election amount of an FSA is typically available on day one of the plan year.
The downside is that, unlike a Health Savings Account, there are rules that dictate the time period in which the money can be used, and many plans are structured in such a way that unused yearly funds are forfeited (though some may offer an additional grace period). Thus, it is important to allocate how the funds will be used before the year's end. Rollover amounts are limited to $680, but ultimately, the rules of your FSA are dictated by your employer.
How does an HSA Work?
An HSA is a personal account offered to those who meet specific eligibility requirements, which often include high deductible heath care plan enrollment. The upside of an HSA is that the money in the account belongs to you and does not expire like the funds in FSAs typically do. HSA holders have the ability to keep their account regardless of a change in employment. For 2026, the HSA contribution limit is $4,400 for eligible individuals with self-only coverage and $8,750 for eligible individuals with family coverage. Eligible individuals age 55 or older may generally make an additional $1,000 contribution.
HSA vs. FSA: What’s the Difference?
Both HSAs and FSAs can help you use tax-advantaged dollars toward eligible healthcare expenses, but there are important differences in how the accounts work.
HSA — Health Savings Account
A tax-advantaged account generally available to individuals enrolled in an HSA-eligible health plan. The account belongs to you, and unused funds remain in your HSA from year to year.
FSA — Flexible Spending Account
A tax-advantaged benefit offered through an employer. You can set aside money from your paycheck to help pay for eligible healthcare expenses during the plan year.
HSA vs. FSA at a Glance
| Compare |
HSA |
FSA |
| How do you get one? |
Generally available when you are enrolled in an HSA-eligible health plan |
Offered through an employer |
| Who owns the account? |
You do |
The account is part of your employer’s benefits plan |
| Can you contribute? |
Yes |
Yes, usually through payroll deductions |
| Can your employer contribute? |
Yes. Some employers contribute or offer a match, but it is not required |
Yes, if your employer chooses to contribute |
| Does unused money roll over? |
Yes. Your HSA balance carries over from year to year |
It depends on your employer’s plan. Funds may be subject to “use it or lose it” rules, although some plans offer a limited carryover or grace period |
| Do you keep it if you leave your job? |
Yes. The HSA belongs to you |
Typically no. An FSA is generally tied to your employer’s benefits plan |
| 2026 contribution limit |
$4,400 for self-only coverage or $8,750 for family coverage* |
$3,400 in employee salary-reduction contributions* |
| Main benefit |
Tax advantages with the ability to save unused healthcare funds for future years |
A tax-advantaged way to pay for eligible healthcare expenses during the plan year |
Why Would Silk Bedding Be a Qualified Expense?
This is where HSA/FSA eligibility for silk is a little different from buying something that is automatically considered a medical expense.
A silk pillowcase or sheet can obviously be purchased simply because someone enjoys sleeping on silk. At the same time, a healthcare provider may recommend a particular sleep surface for an individual with a medical need.
Products that can serve both a general wellness purpose and a medical purpose are often referred to as dual-purpose products.
For a dual-purpose product to qualify for HSA or FSA funds, there generally needs to be an established medical reason for using it. That is why Mulberry Park Silks' HSA/FSA checkout includes a health assessment and licensed-provider review.
Simply having a particular medical diagnosis does not automatically make silk bedding HSA/FSA eligible**.** Eligibility is based on the individual's circumstances, the healthcare provider's assessment, and the requirements of the customer's HSA or FSA plan.
Why Is Silk Often Chosen for Sensitive Skin and Allergies?
Pure mulberry silk has an exceptionally smooth surface that glides against skin rather than creating the rougher friction associated with many traditional bedding materials, and is ideal for sensitive skin. This can be particularly appealing to people dealing with sensitive skin that is easily irritated or prone to contact dermatitis. Silk is also significantly less absorbent than cotton, which means it does not pull moisture away from the skin as readily.
Because it is a natural fiber that is intrinsically hypoallergenic and dust-mite repelling, it is loved by allergy sufferers. Individuals with conditions such as eczema, psoriasis, rosacea, acne-prone skin or other forms of skin sensitivity may choose silk because reducing friction against the skin can help create a gentler sleep environment that helps support skin care protocols.
Allergy symptoms such as watery eyes, congestion, and frequent rubbing can leave the delicate skin around the face and eyes feeling irritated. Pure mulberry silk provides an exceptionally smooth, low-friction sleep surface that can help minimize additional rubbing and discomfort. For individuals whose healthcare provider determines that a gentler sleep surface serves a medical need.
These properties do not make silk a treatment or cure for a medical condition. However, for an individual whose healthcare provider determines that a smoother, hypoallergenic natural fiber sleep surface serves a medical purpose, certain silk bedding products may potentially qualify for HSA or FSA use.
Silk, Hair Friction and Delicate Hair
Your hair moves across your pillow throughout the night, particularly if you toss and turn in your sleep.
Traditional pillowcase fabrics can create friction against individual hair strands. The smooth charmeuse surface of genuine silk allows hair to glide more easily across the pillow.
This is why choosing the best pillowcase for thin or fine hair is so important, and silk pillowcases are frequently chosen by people concerned about hair loss, hair breakage, tangling, frizz or particularly fragile hair.
At Mulberry Park Silks, our own friction testing also found substantially less friction with our 22 Momme silk than with the cotton fabric tested.
Again, whether a silk product qualifies as a medical expense is a separate determination from its general hair-care benefits. A healthcare provider review determines whether an individual's need meets the requirements for HSA/FSA eligibility.
Silk Bedding for People with Asthma
For those managing Asthma, sleep can often be affected by common bedroom allergens that lead to wheezing, coughing, or narrowing airways at night. According to the Allergy and Asthma Network, "lowest lung function occurs around 4 a.m." making it much harder to breathe during the middle of the night." Factors like these can make uninterrupted sleep more difficult for those living with asthma. Creating a comfortable, hypoallergenic, dust-mite-free sleep environment is often an important part of their overall wellness routine.
In addition, pure mulberry silk is naturally breathable and helps regulate warmth and moisture around the body. Its exceptionally smooth surface also reduces friction against the skin, making silk sheets and pillowcases a gentle option for sleepers who may be sensitive to overheating or rougher bedding fabrics.
For some individuals with asthma, a licensed healthcare provider may determine that specialized bedding serves a medical need. In these cases, select Mulberry Park Silks products may qualify for purchase with HSA or FSA funds following the required eligibility review.
Silk bedding does not treat, prevent, or replace medical care for asthma, and having asthma does not automatically make a purchase HSA/FSA eligible. Eligibility is based on each customer's individual medical circumstances and review by a licensed healthcare provider.
Silk for Temperature Comfort While Sleeping
Mulberry silk promotes airflow for a cool, dry sleep environment that is naturally temperature regulating.
Rather than simply trapping heat against the body, silk helps create a comfortable microclimate around the sleeper. This makes silk popular with hot sleepers as well as people experiencing changes in nighttime body temperature.
Many customers, including women navigating night sweats and temperature fluctuations during menopause, choose silk bedding because of these properties.
Silk's breathable, temperature-regulating properties can make it a comfortable choice for people experiencing hot flashes, night sweats, or other temperature fluctuations. The important distinction is that comfort alone does not automatically turn bedding into a qualified medical expense. Eligibility depends on an individual's medical circumstances and review by a licensed healthcare provider.
How to Pay for Mulberry Park Silks With an HSA or FSA
We have tried to make the process as straightforward as possible.
1. Shop Participating Silk Products
Visit our HSA/FSA Eligible Silk Products Collection or look for the “HSA/FSA Eligible for Qualified Customers” notice on participating product pages.
Not every item on MulberryParkSilks.com is included in the program.
2. Add Your Products to Your Cart
Shop normally and proceed to checkout when you are ready.
You can even have both participating and non-participating products in the same cart.
3. Select “Pay With HSA or FSA”
At checkout, choose the HSA/FSA payment option.
4. Complete a Brief Health Assessment
We will ask a short series of questions about the health-related reason for your purchase.
Your responses are reviewed by a licensed healthcare provider to determine whether the product is medically appropriate and qualifies for the required documentation.
5. Complete Your Purchase
If approved, you can use your HSA or FSA funds toward the eligible portion of your order.
If your cart also contains products that are not eligible, we will separate those items so they can be paid for using another form of payment.
What Is a Letter of Medical Necessity?
A Letter of Medical Necessity, commonly called an LMN, is documentation from a licensed healthcare provider explaining why a product that could ordinarily be considered a personal or wellness purchase is medically necessary for a particular individual.
An LMN is essential for dual-purpose products such as certain sleep and wellness products.
With Mulberry Park Silks, you do not need to automatically assume that you must schedule a separate doctor's appointment and obtain paperwork before shopping.
Our website incorporates the health assessment and provider review into the checkout experience. When medically justified, the appropriate documentation can be issued as part of that process.
For customers who receive one through our program, the Letter of Medical Necessity is valid for one year from the date it is issued. We recommend keeping a copy with your records in case your HSA or FSA plan administrator requests documentation of a qualifying purchase.
Why Use HSA or FSA Funds for an Eligible Purchase?
The biggest advantage is that HSA and FSA accounts typically uses pre-tax dollars, meaning you can put money aside for eligible healthcare expenses before that money is reduced by certain taxes.
If you already have funds set aside in one of these accounts, using them for a qualified purchase can allow you to save pre-tax dollars to pay for an eligible healthcare expense without relying entirely on your regular after-tax spending money.
For FSA account holders, it can also be particularly important to understand your plan's year-end rules. Depending on your employer's plan, unused FSA funds may be subject to forfeiture, a limited carryover or a grace period.
HSA funds are different: unused money generally remains in your account for future qualified medical expenses.
Is HSA/FSA Eligible Silk Different?
No, choosing an HSA/FSA payment method does not change the product you receive.
Our silk bedding is made from 100% pure Grade 6A mulberry silk and is available across multiple momme weights, depending on the product. Our silk is woven in a smooth charmeuse weave and independently certified to OEKO-TEX® STANDARD 100.
Whether you are purchasing silk as part of an approved medical need or simply because you love sleeping on silk, we believe your sleep environment should feel as comfortable, beautiful, and restorative as possible.
HSA/FSA eligibility is not guaranteed and depends on the customer's individual medical need, questionnaire responses, review by a licensed healthcare provider, and the requirements of the customer's HSA or FSA plan administrator. Mulberry Park Silks products are not intended to diagnose, treat, cure, or prevent any medical condition. This program is not an additional discount or promotional offer. Mulberry Park Silks does not provide medical, tax, or legal advice.
