FSA funds often expire Dec 31

Pay for Orion with your HSA/FSA
and save up to 30%*

Pay with your HSA/FSA card at checkout through our partner Truemed. No extra fees.

All major HSA/FSA cards accepted Visa Mastercard American Express
A woman sits on a bed in a modern room. The Orion Smart Cover has been placed on the mattress. Next to her is the Orion Control Tower.

*Truemed is for qualified customers. HSA/FSA tax savings vary. Learn more at truemed.com/disclosures.

  • Up to 30%*

    Savings with pre-tax dollars

  • $0

    Fees to use Truemed

  • 30 nights

    To try Orion risk-free

How to pay with
your HSA/FSA

1

Choose Truemed at checkout

Payment options popup with three choices: Credit card, Paypal, and a selected option TrueMed - Pay with HSA/FSA showing Visa, Mastercard, and Amex logos.

Select Truemed (Pay with HSA/FSA) as your payment method. Don't see it? Close the Shop Pay pop-up and check out as a guest.

2

Answer a short health survey

Selection screen asking 'Who is your HSA or FSA administrator?' with options HealthEquity, WEX (selected), and Optum.

It's private and takes a few minutes. A licensed provider confirms you're eligible.

3

Pay with your HSA/FSA card

Payment form with card information fields including card number, expiration date, CVC, and an email input filled with john.doe@gmail.com.

Pay with your HSA/FSA card and you're done. Using a regular card instead? Submit for reimbursement with your Letter of Medical Necessity.

1

Get approved

Checkout screen for pay over time: loan approval and payment term selection.

Select Monthly in the buy box, then apply in a few minutes. 0% APR for 48 months on approved credit.

2

Pay with your HSA/FSA card

Checkout screen showing how to pay with an HSA or FSA card.

Use it for the $199 down payment and every monthly payment. No survey or reimbursement needed.

1

Pay with a regular card

Payment options showing selected credit card with Visa, Mastercard, Amex, Discover, and more, and unselected PayPal option.

Adding Orion Intelligence or another subscription? Pay with a regular credit or debit card. Your receipt links to the Truemed health survey.

2

Take the survey the same day

Selection screen asking 'Who is your HSA or FSA administrator?' with options HealthEquity, WEX (selected), and Optum.

Truemed requires it on the day you order. If you're eligible, your Letter of Medical Necessity arrives in 1-2 days.

3

Get reimbursed

Doctor in a white coat with stethoscope holding a tablet displaying a document stating, 'I am writing on behalf of my patient to document the medical necessity.'

Send your receipt and letter to your HSA/FSA administrator. Most claims pay out in 2-4 weeks.

How using an HSA/FSA
saves money

HSA/FSA funds are pre-tax, so every dollar goes further. At a 30% tax rate, $100 of wages is $70 in your bank account but the full $100 in your HSA/FSA.

Your savings depend on your own tax rate.

Spending from Bank Account
$100

From your wages

-$30

Paid in taxes (30% example)

$70

Available to spend

Spending from HSA or FSA
$100

From your wages

Tax-free

$100

Available to spend

Use your FSA funds
before your deadline

FSA funds are often use-it-or-lose-it. Deadlines vary by plan, so check with your administrator.

Calendar-year plans

Dec 31

FSA balances reset

Unused FSA funds are often forfeited after this date.

Plans with a grace period

Mar 15

Last day to spend

Some plans give you until March 15 to use last year's funds. Others let you carry over up to $680 instead.

HSA funds don't expire. Your balance rolls over every year.

01 / 06

Orion Sleep System

A sleep system that cools and heats your bed to your ideal temperature schedule. Fits over the mattress you already own.

Select your mattress size

Due today

Ships in 5-7 days

30-night trial Free shipping Pay with HSA/FSA

Enhance your experience

Sleep Disruption Test An at-home test used to set your starting temperature for future nights.
$100 +$25
Quantity

Sleep Disruption Test

An at-home test used to set your starting temperature for future nights.

  • 1-night patch maps your core temperature and sleep interruptions
  • Complimentary consultation with an Orion Sleep Advisor to walk you through your sleep report
  • Your Orion arrives pre-programmed to your body, ready on night one
Extended Protection Adds 3 years to your included 2-year warranty.
+$399

Extended Protection

Adds 3 years to your included 2-year warranty.

  • 2-year manufacturer warranty + 3 years with Extend
  • Coverage after your 2-year manufacturer warranty expires
  • Extended mechanical and electrical failure protection
  • Zero deductible
  • Free shipping for your replacement

Financing terms

Loans are through HFD and subject to final approval. 0% APR for 48 months on approved credit. $199 due at checkout. Estimated payment shown excludes tax and any add-ons. Terms and conditions apply.

Everything you need to cool and heat your bed, starting night one.

  • Smart Cover. A thin temperature layer that fits over your mattress like a fitted sheet.
  • Control Tower. Cools or heats water and circulates it through the cover. Plugs into one standard outlet.
  • Orion App. Set temperatures and schedules for each side of the bed, and see your sleep data and insights each morning.
  • Free shipping on every order.
  • 30-night money-back guarantee. Sleep on it for 30 nights. If it isn't right for you, return it for free.
  • 2-year limited warranty from the date of purchase.

The Control Tower circulates temperature-controlled water through the Smart Cover.

  • Dual-zone control. Each side of the bed runs its own temperature. One of you can sleep at 73°F while the other sleeps at 82°F.
  • Water temperature range: 50°F to 113°F. Cold enough for hot sleepers and night sweats. Warm enough for people who run cold.
  • Runs on a schedule. Turns on and off automatically, so your bed is at temperature when you get in.

A typical pre-set schedule

  • 10:00 PM. Cool-down starts before you get into bed.
  • 11:30 PM. Holds cool while you fall asleep.
  • 2:00 AM. Drops to your coolest setting to support deep sleep.
  • 4:30 AM. Adjusts slightly during REM.
  • 6:30 AM. Warms gradually before your wake time.

Materials

  • Top surface: 60% Polyester / 40% Bamboo. A soft, breathable knit built for comfort and efficient temperature transfer.
  • Side skirt: 70% Polyester / 30% Spandex with an elastic band that keeps the cover snug on your mattress.
  • Tubing: Ultra-strong, tear-resistant tubing with a waterproof protective layer underneath to guard your mattress.

Care

  • Spot clean only. Not machine washable.
  • Use your regular fitted sheet on top and wash it as usual.
  • Top off the Control Tower's water once or twice a year, and add a purification tablet to keep the water clean.

  • Queen: 60" × 80"
  • King: 76" × 80"
  • California King: 72" × 84"
  • Water temperature range: 50°F to 113°F
  • Zones: Dual-zone, independently controlled
  • Sleep sensors: heart rate, breath rate, HRV, movement
  • Mattress depth: 10" to 16"
  • Frame compatibility: Standard slatted or platform
  • Control Tower: 24" × 9"
  • Power: Single standard outlet

Checkout with financing

Orion Sleep System
with $199 down · 48 months*
Your details
Shipping address
Discount applied Your discount will be applied after financing approval.

*Loans are through HFD. Subject to final approval. Terms and conditions apply.

Checkout with financing

Cancel your application?

This will discard your saved progress. You can always start a new application later.

Orion Intelligence

Prepay for one year Orion Intelligence

Hassle-free, starts after free trial

  • Sleep tracking, hot flash relief, and smart temperature recommendations
  • Personalized recommendations to improve your sleep
  • Water purification tablets shipped to you
  • Early access to new product features
Couple relaxing in bed with the Orion Sleep System
Extend

Protect your sleep system from day one.

Add 3 years of Extend Product Protection after your 2-year manufacturer warranty, with extended failure coverage and zero deductible.

Coverage includes:

2-year manufacturer warranty + 3 years with Extend
Coverage after your 2-year manufacturer warranty expires
Extended mechanical and electrical failure protection
Zero deductible
Free shipping for your replacement
5 years of total protection Product Protection
$399

What our customers are saying

Jan 18, 2026

A complete game changer

The last piece of my health puzzle has been sleep. For years, my sleep was mediocre at best. On January 1st, Marianne and I made a big investment in our health and bought the Orion Sleep System. Afte…

Dale
Dale San Diego, CA
Mar 10, 2026

Probably the best night's sleep I've had all year

I got my Orion set up at 12am after my cross-country flight was delayed for hours. I then had probably the best night's sleep I've had all year — I track my metrics fairly consistently with Oura, and…

Ed Zitron
Ed Zitron Tech Journalist
Jan 5, 2026

I look forward to sleeping each night

I have been enjoying the Orion. I will be honest I so look forward to crawling into bed after being in my sauna blanket. I have not had any significant night sweats which is so wonderful to report. I…

Daphne
Daphne Kansas City, MO
Feb 14, 2026

Perfect temperature for both of us

I run like a radiator and my wife sleeps colder. We decided to stop fighting over the AC temp and tried out Orion. The first night of sleep was the first time either of us felt like temp was perfect …

Steve & Jacqui
Steve & Jacqui New York, NY
May 27, 2026

I absolutely love my Orion

I absolutely love my Orion. I sleep hot, yet somehow am also easily cold, and maintaining a consistent level of comfort was ruining my sleep. I'd looked at competitors, but Orion stuck out to me base…

Beejoli Trustpilot
Jan 10, 2026

So much better than Eight Sleep

So far Orion has been great! Switching over from Eight Sleep and the experience is already so much improved. The cover is a lot more comfortable plus the app is better!

Shannon
Shannon Costa Mesa, CA
Dec 27, 2025

Recovery is shockingly higher

I haven't changed a single habit outside of using the Orion since it arrived, recovery has been shockingly higher.

Tyler
Tyler Boston, MA

Frequently asked questions

Questions about HSA/FSA?

Chat with an Orion Sleep Advisor about eligibility, financing, or sizing.

Ready for better sleep?

Pay with your HSA/FSA card at checkout through Truemed.

Shop with HSA/FSA
30-night trial Free shipping No extra fees