Cooling Mattresses: Reviews, Prices & Affordable Alternatives

If you're someone who wakes up in the middle of the night feeling like you're sleeping on a hot plate, you're not alone. Millions of people struggle with overheating during sleep, leading to restless nights and groggy mornings. That's where a cooling mattress comes in – a game-changer designed to regulate your body temperature and help you sleep more comfortably. In this comprehensive guide, we'll dive into the best cooling mattresses for 2025, based on expert reviews, user feedback, and performance tests. We'll cover everything from features and benefits to prices, and even compare them to more budget-friendly options like the Bedfan, which retails for around $205. Whether you're shopping for luxury or value, we've got you covered.

Hot sleepers know the drill: tossing and turning, kicking off the covers, only to pull them back on minutes later, seeking support from a mattress that stays cool throughout the night. A good cooling mattress can break this cycle by using advanced materials that wick away heat and moisture. But with so many options on the market, how do you choose? We've researched the top picks, drawing from reliable sources to ensure our recommendations are up-to-date and trustworthy. Let's start by understanding what makes a mattress "cooling."

What Makes a Mattress a Cooling Mattress?

Cooling mattresses, often featuring memory foam, aren't just hype; they're engineered with specific technologies to combat heat buildup. Most incorporate breathable foams, gel-infused layers, or hybrid designs with coils for better airflow. For instance, phase-change materials (PCM) absorb and release heat to maintain a neutral temperature. Others use copper or graphite infusions to dissipate heat quickly. These features, including pressure relief, are crucial for hot sleepers, side sleepers, or anyone in warmer climates.

According to sleep experts, a cooling mattress should score high in temperature regulation tests, often measured by how well it stays below body temperature during use. This prevents the "sleeping hot" sensation that disrupts REM cycles. If you're prone to night sweats, look for mattresses with moisture-wicking covers too. Now, let's explore the benefits in more detail.

Cooling technology has become a pivotal factor in modern mattress design, aiming to address the common discomfort caused by excess heat retention during sleep. By incorporating advanced materials and innovative methods, manufacturers are enhancing the sleep experience, ensuring that sleepers remain cool throughout the night. This shift in focus on temperature regulation is transforming how people perceive sleep comfort, by integrating features that seamlessly draw heat away from the body and improve airflow.

Another important consideration when selecting a cooling mattress is pressure relief. Mattresses that effectively alleviate pressure points can significantly improve sleep quality, particularly for those who suffer from joint pain or discomfort. Cooling mattresses that incorporate memory foam or gel layers often excel in providing the right balance between support and comfort, reducing the pressure on key areas like hips and shoulders while maintaining a cooler sleep environment. This dual functionality not only enhances comfort but allows for a more restful night's sleep, free from the typical aches associated with pressure buildup.

Benefits of Sleeping on a Cooling Mattress

The perks go beyond just feeling cooler. Better temperature control leads to deeper, more restorative sleep, which can improve your overall health. Studies show that optimal sleep temperature is around 60-67°F, and a cooling mattress helps achieve that without cranking up the AC. This can save on energy bills while reducing tossing and turning.

Additionally, these mattresses often provide excellent pressure relief and support, making them ideal for back pain sufferers or couples with different sleep preferences. Many come with trial periods – up to 365 nights – so you can test them risk-free. But prices can vary wildly, from budget options under $500 to premium models over $2,000. That's why comparing value is key.

A key aspect to look for when shopping for a cooling mattress is the warranty. A good warranty not only provides peace of mind but also ensures that the investment you make is protected over time. Most reputable brands offer warranties ranging from 10 to 15 years, covering defects in workmanship and materials. It's important to read the warranty details carefully, as this can affect your long-term satisfaction with the purchase.

In addition to temperature regulation, motion isolation is another critical factor to consider when selecting a mattress, especially for couples. Cooling mattresses often excel in this area due to their advanced foam layers that minimize motion transfer, ensuring that movements on one side of the bed do not disturb the other. This can significantly enhance sleep quality for light sleepers or those who share their bed with an active partner.

Top 10 Best Cooling Mattresses for 2025

We've compiled this list based on rigorous testing from sleep labs and user reviews. Each mattress was evaluated for cooling performance, comfort, durability, and value, ensuring only the best options made the cut. Our team considered real-world feedback alongside lab data to provide a well-rounded perspective on each pick. Prices listed are for queen sizes and may fluctuate with promotions or seasonal sales, so shoppers can often find even better deals. By combining expert analysis with genuine user experiences, this guide aims to help you find the perfect cooling mattress for your needs and budget.

1. WinkBed – Best Overall Cooling Mattress

The WinkBed tops our list for its exceptional cooling and support, making it a standout choice for a wide range of sleepers. This hybrid mattress combines plush foam layers with individually wrapped coils, encouraging steady airflow and maintaining a comfortable temperature all night long. Its Euro-pillow top is infused with cooling gel, expertly dispersing heat and adding a luxurious feel to the surface. WinkBed is available in soft, luxury firm, firm, and plus options, ensuring there’s a perfect fit for every body type and sleep preference. Testers rave about its outstanding edge support, which maximizes usable sleep space, and its impressive motion isolation, making it ideal for couples. With its thoughtful construction and versatile comfort levels, the WinkBed delivers a refreshing, supportive sleep experience night after night.

Price: Around $1,499 (before discounts). It's a worthwhile investment for long-term comfort. Users report sleeping cooler even in humid environments, with minimal off-gassing.

2. Helix Midnight Luxe – Best for Side Sleepers

Helix's Midnight Luxe is a standout for side sleepers, featuring zoned lumbar support and a breathable Tencel cover. The gel memory foam layers provide contouring without trapping heat, scoring high in cooling tests. Its plush surface gently cradles the shoulders and hips, relieving pressure points and promoting healthy spinal alignment. The advanced coil system adds targeted support and minimizes motion transfer, making it a great option for couples. With its combination of cooling technology and thoughtful design, the Midnight Luxe delivers both comfort and restorative sleep for side sleepers.

Price: $1,799. It's pricier but includes a 100-night trial and 15-year warranty. Hot sleepers appreciate how it stays neutral throughout the night.

3. Cocoon by Sealy Chill – Best Budget Cooling Mattress

For those on a tighter budget, the Cocoon Chill offers great value without sacrificing comfort. This memory foam mattress features a phase-change cover that actively absorbs and dissipates heat, while its stretch-knit fabric enhances breathability for a cooler sleep environment. Its medium-firm feel provides the right balance of support and cushioning, making it especially well-suited for back and stomach sleepers. The Cocoon Chill also contours gently to the body, easing pressure points and promoting proper alignment. With its affordable price and reliable cooling features, this mattress stands out as a smart choice for budget-conscious shoppers seeking a refreshing night’s rest.

Price: Approximately $699. Affordable without skimping on cooling tech. Reviews highlight its ease of setup and effectiveness against night sweats.

4. Wayfair Sleep 8-Inch Gel Memory Foam

This super-affordable option from Wayfair is ideal for guest rooms or kids, featuring memory foam for added comfort. It uses gel-infused foam to draw away heat, with a medium feel for versatile comfort.

Ensuring good sleep quality is essential when choosing the right mattress. With various technologies aimed at enhancing comfort and minimizing disturbances, these options offer diverse solutions for sleeper needs. Whether it's foam, hybrid, or eco-friendly materials, the goal remains the same: a restful and rejuvenating sleep experience.

5. Amerisleep AS3

The AS3 from Amerisleep is plant-based memory foam with an open-cell structure for enhanced airflow, helping to keep sleepers cool and comfortable. Its medium firmness strikes the perfect balance between sink-in comfort and reliable support, appealing to a wide range of sleep preferences. Aside from its cooling capabilities, the AS3 also excels in motion isolation, making it an excellent choice for couples or those who share a bed with restless sleepers. The memory foam minimizes motion transfer, ensuring uninterrupted sleep even if your partner tosses and turns throughout the night. Additionally, the AS3’s eco-friendly materials and durable construction offer long-lasting performance and peace of mind. With its thoughtful design and versatile comfort, the Amerisleep AS3 stands out as a smart investment for quality sleep.

Price: About $1,299. Eco-friendly and cooling-focused. Great for allergy sufferers too.

6. CooperFlex Pro

An underrated gem, the CooperFlex Pro hybrid uses copper-infused foam and coils for superior cooling. Its advanced materials help regulate temperature throughout the night, making it ideal for hot sleepers. One notable feature of the CooperFlex Pro hybrid is its excellent motion isolation. This quality makes it perfect for couples, as it minimizes disturbances from a partner's movements during the night, ensuring a more restful sleep experience. Additionally, the mattress offers balanced support and pressure relief, catering to a wide range of sleep positions. With its thoughtful design and durable construction, the CooperFlex Pro hybrid stands out as a smart investment for those seeking both comfort and value.

Price: $1,065. Budget-friendly hybrid. Testers note quick heat dissipation.

7. Nectar Mattress

Nectar’s all-foam design delivers reliable support, featuring gel memory foam and a breathable cooling cover for a refreshing night’s sleep. Its medium-firm feel and outstanding pressure relief make it a versatile option that suits a wide range of sleep styles. The gel memory foam actively draws heat away from the body, helping sleepers stay cool and comfortable until morning. With adaptive foam layers that gently contour to every curve, Nectar eases aches and promotes healthy spinal alignment. Backed by a generous trial period and warranty, this mattress gives sleepers confidence in both comfort and value.

Price: Around $799. High ratings from thousands of users.

In addition, the Nectar mattress comes with a comprehensive warranty that adds immense value for potential buyers. This warranty ensures peace of mind, protecting against defects and ensuring the longevity of your purchase. Shoppers can rest assured knowing that their investment is safeguarded for years to come.

8. Silk & Snow Hybrid

This value hybrid features pocketed coils and foam, delivering impressive breathability for a cooler night’s sleep. Its thoughtful blend of materials promotes steady airflow, so sleepers stay comfortable and refreshed. The pocketed coil system offers targeted support and minimizes motion transfer, making it an excellent pick for couples. With a balanced feel that adapts to different sleep positions, this hybrid stands out for its comfort, support, and wallet-friendly price.

Price: $800. 46% below average hybrid cost.

9. Sleepopolis Top Pick Hybrid

This standout hybrid mattress consistently scores 4/5 or higher in cooling, making it a trusted pick for hot sleepers. Its smart design combines supportive coils with premium foams, delivering both breathability and lasting comfort all night long. The mattress excels at keeping temperatures in check, so sleepers wake up feeling refreshed and well-rested. With top ratings from Sleepopolis and a reputation for balanced support, this hybrid is a winning choice for anyone looking to upgrade to a cooler, more comfortable sleep.

Price: Varies, around $1,200.

Price Comparison: Cooling Mattresses vs. the Bedfan

While cooling mattresses offer immersive comfort, they come at a cost – most queen sizes range from $700 to $2,000+. If you're looking for a more affordable way to stay cool, consider the Bedfan from Bedfans-USA, which offers strong support for your cooling needs. Priced at just $204.95, it's a fraction of the cost of a new mattress. This under-sheet fan blows cool air directly between your sheets, using convection to remove trapped heat.

Unlike mattresses that rely on passive cooling, the Bedfan is active and adjustable via remote, with timer options for energy savings. It's quiet, brushless motor runs cooler and lasts longer, and it's easy to install at the foot of your bed. Users love it for night sweats and hot flashes, often reporting deeper sleep without the bulk of a mattress pad. Compared to a $1,499 WinkBed, the Bedfan saves you over $1,200 while providing targeted cooling.

For hot sleepers on a budget, the Bedfan is a smart alternative. Check out the Bedfan product page for more details, or learn about its benefits for night sweats on their dedicated page. It even comes with a 30-day guarantee, making it low-risk.

Quality sleep is essential for overall well-being, but can be difficult to achieve in warm environments without the right bedding solutions. A cooling mattress aids in achieving a restful night by stabilizing temperature fluctuations. However, for some, investing in a fan like the Bedfan can be an economical choice in ensuring a sleep-friendly environment, offering a cooler, more comfortable sleep instead of enduring potential discomfort caused by a warm mattress.

In terms of long-term value, mattresses last 7-10 years, while the Bedfan is a portable add-on you can use with any bed. If your current mattress is fine but you sleep hot, starting with the Bedfan at $205 could be wiser than splurging on a $1,000+ replacement. Many reviewers say it's more effective than fans or AC alone.

How to Choose the Right Cooling Solution for You

Consider your budget, sleep position, and specific needs. If you need full-body support with pressure relief, go for a mattress like the Helix, which features memory foam for added comfort. For quick, affordable relief, the Bedfan shines. Test trials are key – most brands offer them.

Pressure relief is an essential consideration when evaluating mattress comfort, especially for those experiencing joint discomfort or spinal alignment issues. While cooling features are crucial, a mattress that effectively alleviates body pressure points can significantly enhance your overall quality of rest. Hybrids or memory foam options known for their pressure relief capabilities can prevent tossing and turning, offering a more restful night through evenly distributed body support.

For those who share their bed, motion isolation is a crucial feature to consider. Foam-coil mattresses generally provide excellent motion isolation, ensuring that movement on one side of the bed doesn't disturb the sleeper on the other side. This can be particularly beneficial for couples or individuals who are light sleepers.

Other factors: Warranty length (10-25 years for mattresses), materials (organic vs. synthetic), and certifications like CertiPUR-US for low emissions. For couples, look for good motion transfer control.

FAQs About Cooling Mattresses

  • Do cooling mattresses really work? Yes, especially hybrids with coils for airflow. These mattresses are designed with advanced materials like gel-infused foams, breathable covers, and open-cell structures to help dissipate heat and regulate temperature. Many sleepers notice a significant difference in how cool and comfortable they feel throughout the night. While individual results may vary, cooling mattresses are a proven solution for those who tend to overheat or sweat during sleep.
  • What's the average price? $800–$1,500 for quality options. This price range typically covers well-made cooling mattresses with advanced features like gel-infused foams, breathable covers, and supportive coil systems. While budget models can be found for less, investing in this range often means better durability, enhanced cooling performance, and greater overall comfort. Premium brands or luxury models may cost more, but many shoppers find excellent value and long-term satisfaction within the $800–$1,500 bracket.
  • Is the Bedfan a good mattress alternative? Absolutely, for targeted cooling at $205 vs. $1,000+. The Bedfan is designed to deliver direct airflow under your sheets, helping hot sleepers stay cool without the need to replace their entire mattress. It’s a budget-friendly solution that can be easily added to any bed setup, making it ideal for those who want immediate relief from night sweats or overheating. While it doesn’t offer the full-body support of a new mattress, the Bedfan provides effective, customizable cooling at a fraction of the cost..

Conclusion

Finding the right cooling mattress or alternative can truly transform your sleep experience, leading to more restful and rejuvenating nights. From the premium WinkBed to the budget-friendly Bedfan, options abound for every wallet and sleep preference. Whether you’re seeking advanced hybrid technology or a simple, effective cooling accessory, there’s a solution designed to meet your needs. Remember, the goal is consistent, cool rest—don’t settle for sweaty nights or restless sleep. Take the time to explore your options and invest in your comfort. Discover more innovative cooling solutions and expert recommendations at Bedfans-USA, and wake up refreshed every morning.

If you’re someone who wakes up in the middle of the night feeling like you’re sleeping on a hot plate, you’re definitely not alone. Millions struggle with overheating during sleep, leading to restless nights and groggy mornings. That’s where a cooling mattress can make all the difference—designed to regulate body temperature and deliver a more comfortable, refreshing rest. In this comprehensive guide, discover the best cooling mattresses for 2025, all backed by expert reviews, real user feedback, and rigorous performance tests. Explore standout features, benefits, and prices, plus see how these top picks stack up against budget-friendly alternatives like the Bedfan, which comes in at just $205. Whether you’re after luxury or value, there’s a cool solution here for every sleeper.

Use Your HSA/FSA Funds 🎉

You can now use your HSA/FSA funds to purchase your bFan® Bedfan

...During Checkout!

USA customers can Pay with Pre-Tax HSA/FSA Funds. . . Right from your shopping cart! 💕

✔️ 1) Choose your bFan Bedfan

Choose your bFan, either tall or short, from our Shop page, and add to cart.

✔️ 2) Select "Flex" at Checkout


Choose "Flex | Pay with HSA/FSA" as your Payment Method. You will be led through a simple questionnaire which will determine your eligibility.

Note: If you do not see Flex, try checking out as a guest. Flex will not appear as an option if you are signed into Shop Pay.

✔️ 3) Pay with HSA/FSA Card

Being prompted to enter your HSA/FSA card details means you are Pre-Qualified.

Purchase your bFan® Bedfan using your HSA/FSA card number. Check out as normal!

Flex will email you a receipt, LMN, and any next steps for substantiation.

The bFan® Bedfan

Stop Sleeping Hot

Order your fan today and stop night sweats so you can get the rest you need.

Introduction to bFan® BedFan and Tax-Advantaged HSA / FSA Purchases

If you're someone who struggles with night sweats, hot flashes, or simply overheating during sleep, you know how disruptive it can be to your rest and overall well-being. The bFan® BedFan, available at www.bedfans-usa.com, is an innovative cooling system designed specifically for beds. It gently blows cool air between your sheets, helping you maintain a comfortable temperature all night long. But did you know that you might be able to purchase this life-changing device using pre-tax dollars from your Health Savings Account (HSA) or Flexible Spending Account (FSA)? This can lead to significant savings and make improving your sleep more affordable.

In this comprehensive guide, we'll explore the numerous advantages of using HSA or FSA funds to buy a bFan® BedFan. From tax savings to eligibility requirements and step-by-step purchasing instructions, you'll learn everything you need to know to make an informed decision. Whether you're dealing with menopause symptoms, sleep disorders, or just want better rest in a hot climate, leveraging these accounts can be a smart financial move.

The bFan® BedFan setup is simple and effective, as shown in the image above, providing targeted cooling without chilling the entire room.

With rising healthcare costs and the importance of quality sleep for health, using tax-advantaged accounts for eligible items like the BedFan makes perfect sense. Let's dive into what HSAs and FSAs are and why they're beneficial.

What Are HSA and FSA Accounts?

A Health Savings Account (HSA) is a tax-advantaged savings account available to individuals enrolled in a high-deductible health plan (HDHP). Contributions are made pre-tax, grow tax-free, and withdrawals for qualified medical expenses are also tax-free. Unlike traditional savings, HSAs allow you to roll over unused funds year after year, and you can even invest the money for potential growth.

On the other hand, a Flexible Spending Account (FSA) is an employer-sponsored benefit that lets you set aside pre-tax dollars for eligible healthcare expenses. FSAs are more restrictive; most follow a "use-it-or-lose-it" rule, though some plans allow a small rollover or grace period. Both accounts can cover a wide range of medical costs, including deductibles, copayments, and certain medical devices.

The key difference? HSAs offer more long-term flexibility and are portable if you change jobs, while FSAs are tied to your employer and must be used within the plan year. Choosing between them often depends on your health plan and expected medical needs. For purchases like the bFan® BedFan, either can provide substantial tax benefits if the item qualifies as a medical expense.

According to experts, these accounts can save you anywhere from 20% to 30% on eligible purchases, depending on your tax bracket. For someone in the 22% federal bracket, that's like getting a discount on every dollar spent. This makes them ideal for investing in health-improving products without the full out-of-pocket cost.

Tax Advantages of Using HSA or FSA for bFan® Bedfan Purchases

The primary benefit of HSA and FSA accounts is the tax savings. Contributions reduce your taxable income, effectively lowering your overall tax bill. When you use the funds for qualified expenses, you avoid paying taxes on those withdrawals too. This triple-tax advantage for HSAs—pre-tax contributions, tax-free growth, and tax-free withdrawals—makes them particularly powerful for long-term health savings.

For example, if you contribute $1,000 to an HSA and you're in a 25% tax bracket, you could save about $250 in taxes. Then, using that money to buy a BedFan means you're paying less overall. FSAs offer similar immediate tax relief, helping you stretch your dollars further on essentials like cooling devices for sleep-related health issues.

Beyond taxes, these accounts encourage proactive health management. By setting aside money for expenses like the BedFan, which can alleviate symptoms of conditions such as night sweats or insomnia, you're investing in your well-being. Plus, HSAs can serve as a retirement tool, with funds available for medical costs in later years.

Shopping with HSA or FSA also simplifies budgeting. Dedicated stores and partnerships, like the one BedFans-USA has with Flex, make it easy to identify and purchase eligible items without guesswork. This convenience, combined with savings, is why millions use these accounts annually.

Is the bFan® BedFan Eligible for HSA or FSA?

Yes, the bFan® BedFan may be eligible for HSA or FSA reimbursement, especially if it's used to treat a medical condition such as night sweats from menopause, chemotherapy, or other health issues. Similar products, such as bed cooling systems from BedJet or Chilipad, are often approved with a Letter of Medical Necessity (LMN).

At BedFans-USA.com, we've partnered with Flex to streamline the process. During checkout, you'll answer a quick questionnaire to determine eligibility. If approved, you can pay directly with your HSA or FSA card. Flex will then email you a receipt and LMN for your records. This ensures compliance with IRS guidelines, which allow such devices if they exceed standard items for general health and are medically necessary.

As illustrated above, the bFan® BedFan creates a cooling airflow that can significantly improve sleep for those with temperature regulation problems.

Always consult your plan administrator or a tax professional, but many users find bed fans qualify under medical expense categories. For more on eligible expenses, check the IRS Publication 502.

How to Purchase a bFan® BedFan Using HSA or FSA on Our Site

Purchasing is straightforward. Start by visiting our Shop BedFan page to select the tall or short model that fits your bed. Add it to your cart and proceed to checkout.

  1. Select "Flex | Pay with HSA/FSA" as your payment method. If it's not visible, try checking out as a guest.
  2. Complete the eligibility questionnaire provided by Flex.
  3. Enter your HSA or FSA card details and finalize the purchase.
  4. Receive your email confirmation, receipt, and LMN from Flex.

This process makes it easy for USA customers to use pre-tax funds.

Additional Benefits of the bFan® BedFan Beyond Tax Savings

While the financial perks are compelling, the BedFan itself offers tremendous value. It reduces reliance on air conditioning, potentially lowering energy bills. Users report better sleep, fewer interruptions, and improved mood and productivity the next day.

For those with medical conditions, it's a non-invasive solution that can complement treatments. Imagine waking up refreshed instead of sweaty— that's the bFan® BedFan difference.

Similar cooling systems, like the one pictured, demonstrate how effective targeted bed cooling can be.

In summary, combining HSA/FSA advantages with the bFan® BedFan practical benefits creates a win-win for your health and wallet.

Conclusion

Using your HSA or FSA to purchase a BedFan from BedFans-USA.com is a savvy way to save money while addressing sleep issues. With tax savings, easy eligibility checks, and proven cooling technology, it's an investment in better nights and brighter days. Don't miss out—head to our site today and start sleeping cooler.