Baby Monitors Guides

HSA and FSA-Approved Baby Monitors(2024)

Ashley Davis

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Consider getting an HSA or FSA-approved baby monitor to save money while getting the essential baby safety product that will give you the peace of mind to concentrate on other things that come with parenting. As a parent, I have seen savings from utilizing the HSA and FSA Federal programs have made an impact on our family finances over the past few years.

While the President claims that Bidenomics is working, you might be pondering, just like countless Americans, “How?” We may not see eye to eye on that, but we can all agree that healthcare costs keep skyrocketing. And hey, American families and parents could use some saving plans, like getting reimbursed for those baby product purchases! 💸

If you are considering getting an FSA or Health Saving Account (HSA)-eligible baby monitor, I’d say you’re pretty smart! It’s called keeping an eye on your little one and your finances at the same time! Plus, it demonstrates your concern for the safety of infants, a value that we also prioritize here at Safer For Baby. 

I have always taken advantage of FSA and HSA-eligible baby products to keep my out-of-pocket healthcare expenses low. I couldn’t qualify before and had to pay full price, and let me tell you, a crying baby and high healthcare bills do not mix well. But ever since I started using HSA-eligible products, including baby monitors, it’s been a game changer!

List of top HSA and FSA-Approved Baby Monitors:

Comparison of our Best Monitors that are FSA and HSA Approved:

NameFSA and HSA
Technology(WiFi or Non-Wifi)What is track/monitorsWearable?Check Price on Amazon
Nanit Pro Smart Baby Monitor Approved for DeductionsYesWiFiSleep, breathing, video, audio, temp, humidityYes, sleep wear required for monitoring breathingCheck Price
Owlet Dreamsock/BabysatYesWiFi and BluetoothHeartbeat, Oxygen level, sleepYes, baby wears smart sock on the footCheck Price
Cubo AI Plus Smart Baby MonitorYesWiFiSleep, rollover, face covering, breathing, cry detection, cough detection, danger zone alertsNo, sensor pad placed under the mattressCheck Price
Sense-U Smart Baby Abdominal Movement MonitorYesWiFiBreathing/movements, temperature, humidityYes, attached to the diaperCheck Price
HALO SleepSure Smart Baby Monitor for FSA and HSA DeductionsYesWiFiHeart rate, rollover, skin temperature, and movement.Yes, baby wears smart sock on the footCheck Price
Miku Smart Baby Monitor for Vital Signs Got Approved for HSA and FSA DeductionsYesWiFiBreathing, sound, temperature, humidityNoCheck Price
Babysense Under-Mattress Baby Monitor:YesNon-WifiMovement and breathingNo, 2 sensor pads placed under the mattressCheck Price
MonBaby Smart Baby MonitorYesWiFiBreathing movements, oxygen level, sleep position, fall detection, and proximity alertsYes, attaches to baby clothing preferably on the chestCheck Price

Reviews of our Best FSA and HSA-Eligible Baby Monitors in 2024

Nanit Pro Smart Baby Monitor Approved for Deductions

My top recommendation for an FSA and HSA-eligible baby monitor is the Complete Nanit Pro Smart Baby Monitor. You should note that Nanit requires all its essential components including sleep wear which utilizes computer vision technology to receive the data for providing insights.

Overall Best FSA and HSA Baby Monitor
Nanit Pro Smart Baby Monitor
  • Best for: Sleep tracking and sleep insights
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Unlike most baby monitors, Nanit tracks your baby’s breathing motion with no additional sensors or wearables needed but the camera alone cannot accomplish this function. This means that only the complete bundle of Nanit monitoring systems meets the criteria of having a clear medical purpose and may be recommended by a healthcare professional to assist in monitoring vital signs – not as a medical device.

It still baffles me how Nanit can track your baby’s oxygen level without coming in contact with the baby at all. The Nanit app also provides a comprehensive analysis of your baby’s sleep patterns, including tips on how to improve their sleep. This data can be extremely helpful for parents with preterm infants or those concerned about potential respiratory issues.

Owlet Dreamsock

If you prefer wearable technology, Owlet Dreamsock is among my top recommendations for parents looking to get accurate vital signs for their infants. This monitor uses medically proven technology called pulse oximetry to track your baby’s heart rate and oxygen levels while they sleep.

Owlet Dream Sock® - FDA-Cleared Smart Baby Monitor
  •  Track Live Pulse (Heart) Rate, Oxygen in Infants - Receive Notifications
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The wearable sock is comfortable, easy to use, and provides peace of mind for parents concerned about their baby’s vital signs. It also includes a camera for audio and video monitoring, making it a comprehensive HSA-eligible option.

The key difference between Owlet and Nanit is that Owlet directly measures vital signs, while Nanit utilizes computer vision technology to indirectly track breathing motion. This means that Owlet may be more accurate in detecting changes in oxygen levels, but both monitors offer valuable insights for parents.

Cubo AI Plus Smart Baby Monitor

If you want a superior monitoring system with face and cry-detection features that is both HSA and FSA-approved, Cubo AI Plus Smart Baby Monitor is your best bet. This monitor is classified as a near-medical device, and I must say, I was genuinely impressed by its features.

Best Smart Baby Monitor with Night Vision
Cubo Ai Plus Smart Baby Monitor
  • Comes with Wall Mount: Sleep Safety Alerts for Covered Face, Danger Zone & Sleep Analytics - 1080p HD Night Vision Camera, 2-Way Audio, Cry & Temperature Detection
Buy Now Cubo's Website
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With its Covered Face & Rollover Alert, which utilizes A.I., it can detect if your baby’s mouth and nose are covered or if they are face down. Moreover, it has a DANGER ZONE feature that allows you to define a motion detection zone, alerting you whenever your little one ventures into areas they shouldn’t.

While other monitors also have cry-detection, it is the combination of several monitoring technologies including sleep, breathing, and face detection that sets Cubo AI apart. It also has a 1080p HD camera with night vision, two-way audio, and room temperature monitoring. With all these features, it is no wonder this monitor is HSA and FSA-approved.

Read our review of Cubo Ai Pro here.

Sense-U Smart Baby Abdominal Movement Monitor

If you’d like a movement monitor that you can use with your savings card, the Sense-U Smart Baby Abdominal Movement Monitor is a great option. This wearable device securely attaches to your baby’s diaper and detects even the slightest movements, alerting you if no movement is detected for 15 seconds. It also tracks room temperature and humidity, providing parents with additional information for creating a safe sleep environment.

The Sense-U monitor can be used from birth until your baby starts sleeping in a crib, making it a versatile and long-lasting investment for HSA-eligible purchases. Plus, it offers a convenient app that allows you to track your baby’s movements and receive alerts on your phone.

You can check Sense-U on Amazon here.

HALO SleepSure Smart Baby Monitor for FSA and HSA Deductions

Another recently introduced brand that is eligible for savings deduction is the HALO SLeepsure Smart Baby Monitor which rivals Cubo AI. This monitor tracks 4 key vital signs in real-time; heart rate, rollover, skin temperature, and movement.

Although it is a wearable band that is worn on the baby’s leg (unlike Owlet, which is worn on the foot), it distinguishes itself from Cubo Ai, Miku, and Nanit Pro. These alternatives employ a combination of computer vision or sensor fusion technologies to detect the baby’s vitals without direct contact. HALO SleepSure isn’t high-tech with non-wearable tech and uses contact-tech which is known to be more accurate as it can use UV light and other sensors to measure the baby’s heart rate, rollover, skin temperature, and movement.

As it has been acknowledged by various peer-reviewed studies, these wearable techs are generally more accurate than the non-contact alternatives.

It is similar to Owlet in that it comes with 3 different sizes of bands – Owlet also has 3 different sizes of socks and utilizes a base station that serves as the hub of all the baby data. However, HALO SleepSure offers a more affordable option for parents who want a high-quality HSA-approved baby monitor.

One notable distinction between these two HSA products lies in the composition of their wearable sensors. Owlet’s sock is crafted from a blend of 69% Nylon and 31% Spandex, while HALO SleepSure employs different fabrics for the front and back of the band. Specifically, the front face is made entirely of 100% nylon, while the back consists of 40% TPU and 30% nylon.

I wasn’t able to find info online on whether the  TPU used by HALO SleepSure is safe and food-grade without BPA, PVC, and phthalates. Some TPU materials might contain BPA and other harmful chemicals, so make sure to double-check this information before making a purchase.

On the other hand, TPU materials are a lot more flexible compared to nylons and won’t leave any marks or irritate the baby’s skin if the TPU used is baby-safe. This makes HALO SleepSure a more comfortable option for babies to wear while they sleep.

One noteworthy difference that may sway your preference towards Owlet is that SleepSure lacks the feature of providing alerts based on heart rate measurements. Additionally, SleepSure does not measure or provide alerts on oxygen levels. A big downer if you specifically need to track oxygen levels. Owlet, on the other hand, monitors both heart rate and blood oxygen levels and provides alerts accordingly.

This monitor also comes with a convenient app that allows you to track your baby’s vitals and receive alerts on your phone. The HALO SleepSure Smart Baby Monitor is available for purchase on Amazon here, on the HALO website here, or the HSA Store website here.

Miku Smart Baby Monitor for Vital Signs Got it Approved for HSA and FSA Deductions

If you are looking for a mode advanced encrypted monitor with extra security, Miku Smart Baby Monitor is another great option. It uses sensor fusion technology to track your baby’s breathing, sound, and movement without the need for any wearable devices. This means you won’t have to worry about attaching anything to your baby or charging additional devices.

Miku also offers real-time alerts for sound and motion detection, as well as temperature and humidity monitoring. It even has a built-in night light and two-way audio, allowing you to soothe your baby from afar.

Miku’s blog highlights that their monitor is approved for FSA/HSA purchases. You have the option to buy it directly on the FSA/HSA website or use your FSA/HSA card at

Read our review of Miku Baby Monitor here or check out its availability on Amazon here.

Babysense Under-Mattress Baby Monitor:

If you prefer a non-Wifi monitor Babysense Under-Mattress Baby Monitor is a great choice. WiFi and tech in general has been thought to be more advanced than non-connected monitors but that’s not true. So, how does this non-Wifi monitor qualify as a smart and advanced monitor to qualify for FSA and HSA?

It uses passive sensor technology to monitor your baby’s movement and breathing without requiring any contact with the baby. This monitor comes with two sensor pads that can be placed under the mattress to detect even the slightest movements of your baby. It also has an audio and visual alarm for added peace of mind. Plus, it doesn’t emit any radiation or use any harmful materials, making it completely safe for your baby. To make it even safer(which is what I like most), this monitor uses FHSS hackproof technology and your signals are not at risk of being hijacked by hackers.

The eligibility of this product as an HSA-approved item is boosted by the ultra-sensitive pad and alarm.

Babysense will sound an alarm to alert you to check on your baby if no movement is detected within 20 seconds or if the movement rate slows to less than 10 micro-movements per minute. Similar to Nanit and Miku which are non-wearable tracking monitors, Babysense Under-Mattress is a passive sensor system that is completely safe and does not directly contact the infant.

You should note that the 2 pads it comes with provide coverage for the entire crib or bed area and don’t have to dig into your pocket to buy extra pads.

It is important to consider that although there have been instances of false alarms reported by some users, these occurrences were mainly observed when the babies were younger and lighter, and the sensor pads were not properly positioned. As your baby grows and gains weight, many users have observed a reduction in false alarms as the sensors accurately send the right notifications. Therefore, it is crucial to diligently adhere to the provided instructions to ensure precise monitoring.

MonBaby Smart Baby Monitor

If you are looking for a wearable monitor that detects rollover movements of your baby during sleep then the MonBaby Smart Baby Monitor is an excellent option to consider. I recommend this unit to parents with kids who are fussy and constantly need to be checked on.

The monitor easily attaches to the baby’s clothing and sends real-time alerts directly to your smartphone via Bluetooth technology. This feature allows you to track your little one’s breathing movements, sleep position, fall detection, and proximity alerts when the baby strays too far from your side or falls off their crib railings.

You should note that MonBaby comes with a companion app that is available for free download on both iOS and Android devices. The app enables you to customize your preferences, set alarms, track sleep patterns, and view movement history. It also offers a multi-user option that allows up to 7 people to monitor the baby simultaneously. This feature comes in handy when you have family members or caregivers helping out with the baby.

Unlike Owlet, which relies on sensors built into a sock that your baby can outgrow, MonBaby is designed to grow with your baby. However, Monbaby does not provide oxygen saturation levels or heart rate monitoring. Nevertheless, many users have observed a reduction in false alarms as the sensors accurately send the right notifications. Therefore, it is crucial to diligently adhere to the provided instructions to ensure precise monitoring.

You can read more on Amazon here.

Other HSA-eligible Products for Monitoring Baby:

CONTEC LED CMS50M Pulse Oximeter

If you specifically want to measure your baby’s oxygen levels and heart rate, you might consider the CONTEC LED CMS50M Pulse Oximeter. It is an HSA-eligible product that provides real-time monitoring of SpO2 (oxygen saturation level) and pulse rate. This device features a one-button operation system and simple fingertip insertion for easy use.

Unlike the Owlet which sells for almost 5 times this pulse oximeter, the CONTEC LED CMS50M Pulse Oximeter is budget-friendly and provides reliable monitoring for your baby’s health. It also comes with adjustable alarm settings to alert you in case of any abnormal readings.

Check its availability here.

Breathing Monitors not FSA/HSA Approved:

  1. Angelcare 3-in-1 AC527
  2. Snuza Hero SE Baby Movement Monitor

Other FSA/HSA Eligible Products for Babies:

I came across an updated PDF document that provides comprehensive information on FSA-eligible products, including those for babies. It’s important to note that the OTC Rx requirement has been repealed with the passage of the Obama CARES Act. This means that prescriptions are no longer necessary(source) to purchase over-the-counter medicines using an FSA or HSA. In other words, your baby does not need to be diagnosed with a specific medical condition for some monitors to qualify for coverage.

  • Baby Rash Ointment and Cream(FSA, HSA, HRA)
  • Baby Sunscreen(FSA, HSA, HRA)
  • Baby Formula(FSA, HSA, HRA): A medical condition that requires a specialized treatment formula may be eligible for reimbursement with a Letter of Medical Necessity (LMN), subject to certain conditions. Please refer to the PDF for further details.

Items such as baby oil and baby powder are no longer eligible for FSA, HSA, or HRA completely.

Guide to Pick the Best HSA and FSA Baby Monitors

What is an HSA/FSA Baby Monitor?

An HSA baby monitor is a type of baby monitor that is eligible for purchase through an HSA or FSA account. In simpler terms, this means that the cost of the monitor can be paid for using pre-tax dollars from your health savings or flexible spending account. This can save you money in the long run as these types of accounts are designed to help individuals and families manage their healthcare expenses more affordable.

For the monitor to qualify as eligible, it must satisfy these 4 requirements outlined by the IRS. These include being used primarily for medical purposes and not being typically used for general health and wellness reasons.

According to the IRS, for out-of-pocket expenses to qualify for HSA or FSA deductions, a baby monitor should have features that enable it to function as a medical device (although the FDA does not classify baby monitors as such). These features should provide crucial medical information, including the baby’s vital signs, such as oxygen levels, temperature levels, breathing patterns, and movements.

The key difference between FSA and HSA eligibility criteria for baby products that qualify is that FSA accounts require a prescription from a healthcare professional for the purchase to be eligible for reimbursement. In contrast, HSA accounts do not usually require a prescription.

5 Benefits of FSA or HSA-approved Monitors:

  1. Cost-saving benefits: As mentioned earlier, using pre-tax dollars from your HSA or FSA account can save you money in the long run. This is because these accounts allow you to use tax-free funds for medical expenses, making it a more affordable option.
  2. Higher quality products: HSA and FSA-approved baby monitors must meet strict criteria set by the IRS, ensuring that they are of high quality and provide accurate medical information. This gives parents peace of mind knowing that they are using a reliable and safe product for their baby. However, it is important to exercise caution when selecting an HSA or FSA monitor without conducting thorough research. Don’t assume that approval for HSA or FSA reimbursement automatically guarantees quality.
  3. Health benefits: HSA and FSA-approved baby monitors can provide valuable health information for parents, such as the baby’s breathing patterns and oxygen levels. This allows them to monitor their baby’s health more closely and detect any potential issues early on.
  4. Ease of purchase: By choosing an HSA or FSA-approved monitor, you can easily purchase it directly from your healthcare provider, pharmacy, or online retailer without having to worry about obtaining a prescription.
  5. Versatility: These monitors not only serve as a baby monitor but also have the added benefit of being used as a medical device for monitoring your baby’s health. This makes it a multi-functional and cost-effective purchase.
  6. Long-term use: Many HSA and FSA-approved monitors come with features that allow them to grow with your child, making them a long-term investment. For example, some monitors can be used for monitoring your child’s breathing and movements even as they transition from the crib to a toddler bed.

9 Factors to Look for in an HSA or FSA-Approved Baby Monitor:

  1. Monitoring Capabilities: The main function of a baby monitor is to keep track of your baby’s well-being while they sleep. Look for a monitor that offers features such as video and audio monitoring, temperature tracking, and motion detection.
  2. Medical Information: As mentioned before, HSA and FSA-approved monitors can provide valuable health information about your baby. Make sure to choose a monitor that accurately measures vital signs and has reliable data tracking.
  3. Data storage: Look for brands that offer you the flexibility to store your health data in an accessible manner, without burdening you with exorbitant subscription fees to access it.
  4. Accuracy and False Alarms: Choose a monitor that has been tested and proven to provide accurate readings and minimize the occurrence of false alarms. This will not only give you peace of mind but also save you from unnecessary panic.
  5. Portability: If you are constantly on-the-go as a parent, look for a monitor that is portable and easy to set up in different environments. This will allow you to continue monitoring your baby’s health even when traveling or staying at a relative’s house.
  6. User-friendly interface: The last thing any parent needs is a complicated device that takes hours to set up and navigate. Look for a monitor with an intuitive and user-friendly interface that makes it easy to use and understand.
  7. Price: HSA and FSA-approved monitors can range in price, so it’s essential to consider your budget when making a purchase. However, keep in mind that investing in a high-quality monitor can save you money in the long run by providing accurate and reliable health data.
  8. Customer Reviews: Before finalizing your decision, do some research and read customer reviews of different HSA or FSA-approved baby monitors. This will give you insights into the experiences of other parents and help you make an informed decision.

Features of HSA and FSA-eligible Monitors:

Not all baby monitors meet the IRS’ strict guidelines that require that a qualifying HSA-eligible monitor be used primarily to provide data for a baby’s vital signs that can be helpful in medical treatment. To avoid purchasing a monitor that is not HSA-eligible, you must take note of the following:

  • The baby monitor should be able to record and store the data it collects for a reasonable amount of time.
  • The device should have features that allow parents or guardians to set alarms if the vital signs fall outside of normal ranges.
  • It doesn’t have to have a method for transferring the data to a healthcare provider but the data should be available for medical purposes
  • The device must have a display that is large enough and clear enough for parents/guardians to read the vital signs accurately.

One category of baby monitors, designed specifically for monitoring breathing, meets the four factors mentioned above. These monitors are particularly popular among parents of preemies or those concerned about Sudden Infant Death Syndrome (SIDS). It’s important to note that relying solely on a baby monitor to prevent or reduce SIDS is not recommended, as cautioned by various reliable sources. However, breathing monitors like Owlet have been praised for their role in saving lives, as evidenced by a heartfelt account shared by a grateful father.

In addition to HSA, reimbursement for baby breathing monitors is eligible through a flexible spending account (FSA) or health reimbursement arrangement (HRA). However, it is important to note that reimbursement for baby breathing monitors is not eligible for a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).

Who qualifies to purchase a baby monitor with HSA and FSA?

You are eligible to use HSA funds to purchase the monitors above if you have a high-deductible health plan (HDHP) and no other first-dollar coverage, such as Medicare or another health insurance plan. This means that individuals who have an HDHP with an annual deductible of at least $1,400 and families with an HDHP with a minimum annual deductible of $2,800 are eligible to use HSA funds for a baby monitor.

Why some baby monitors are not FSA or HSA Approved?

I wasn’t able to find information on why some baby breathing monitors such as Angelcare 3-in-1 AC527 are not FSA or HSA-approved. From my research, Angelcare AC527 is somehow similar to Babysense Under the Mattress Pad but is not FSA and HSA approved. While vital data storage and retrieval may be a reason, I have reached out to Angelcare to inquire why their AC527 isn’t FSA or HSA-approved. I’ll update this post when I hear back from them.

The exclusion of some breathing monitor brands goes to tell you that you shouldn’t assume just because a baby monitor is considered “near-medical” because of its features that it will be approved for FSA or HSA coverage. It’s best to always check with your plan administrator before making a purchase.

Another reason why some baby monitors may not have been eligible for FSA or HSA reimbursement before the CARES Act was that did not require a prescription. This has since changed but it’s important to verify with your plan administrator if a prescription is still required for coverage.

Monitors that do not monitor breathing, oxygen level or heartbeat such as Infant Optics, VAVA Baby Monitor, Eufy Spaceview, Hellobaby, Babysense and Bonoch Baby Monitors are not eligible for HSA and FSA deductions. They do not meet the criteria described above for select smart monitors that are eligible for the FSA and HSA program.