A bad mattress can have serious health implications that go far beyond relentless tossing and turning at night. It can cause severe pain and easily exacerbate existing health conditions. That’s why the IRS allows you to use your pre-tax dollars in your health savings account (HSA) or flexible spending account (FSA) towards health-forward items, such as a smart ring or bedding. An HSA or FSA can be a great way to afford that new mattress you need, but it isn’t available to just anybody. First, you have to qualify.Every mattress manufacturer has…