Renting a CPAP Without Insurance

What Renting a CPAP Costs, Company by Company

Here is what each company that rents to cash payers says on its own site. Nobody paid to be on this list. They are in order of the monthly price they advertise.

• The CPAP Box

  $29.99 a month

  Machine rental for a ResMed AirSense 10 CPAP or AutoSet. A BiPAP is $59.99 a month. Based in Worthington, Ohio, and ships by ground.

  • A supply plan at $25.99 a month is required, so the real total is $55.98
  • The supply plan sends cushions and filters monthly, tubing every 3 months and a new mask once a year
  • No insurance taken. Card or HSA funds
  • Cancel any time. No rent to own
  • Prescription with your settings required

  The CPAP Box on NightWells. thecpapbox.com

• CPAP Ninja

  From $1.30 a day

  Billed monthly, so about $39 a month. One month minimum, no contract and no credit check. Ships to the lower 48 states.

  • A $79 setup fee and a refundable deposit that depends on the machine
  • Filters, tube and water tub included. Mask not included
  • Up to half of retail can go toward buying it
  • HSA and FSA cards not accepted
  • Prescription required. They sell a home sleep test

  cpapninja.com

• Affordable Medical Supplies

  $60 to $200

  A supply store in Plano, Texas that rents by the week or by the month, with a one week minimum. Pick up in store or call.

  • The page does not say which price goes with which plan, so ask
  • Prescription required

  amednow.com

• CPAP Supply USA

  $89 to $175

  A 35 day rental, built for a trial or a trip rather than long term use. Their own page lists more than one price table, so confirm by phone.

  • A $250 refundable deposit
  • Keep it past day 35 and you pay 80 percent of retail, less the deposit
  • Mask not included. Prescription required

  cpapsupplyusa.com

Two things jump out. The cheapest headline price is not always the cheapest month, because of what it leaves out. And most rentals are older models like the ResMed AirSense 10, not the newest AirSense 11. That is fine for most people. The pressure and the comfort are close. Just know what you are getting.

The Real Monthly Price Includes Supplies

A CPAP is a machine, a hose and a mask. The machine is the part you rent. The parts that touch your face wear out, and you pay for them on top.

A cushion gets stiff and leaks. A filter turns gray. A hose cracks. If they are not replaced, the mask leaks and therapy stops working. Then people quit, and the machine was money thrown away. Read our guide to CPAP side effects for what a worn mask does to your nose and skin.

The schedule The CPAP Box uses for its supply plan. Insurance plans and Medicare use similar limits.

Part	How often to replace
Mask cushion or pillows	Every month
Disposable filter	Every month
Tubing	Every 3 months
Headgear	Every 6 months
Full mask frame	Once a year

So when you compare rentals, ask one question. What will I pay each month for the machine and everything I need to use it? For The CPAP Box that is $55.98. For CPAP Ninja it is about $39 plus a mask you buy yourself, plus the $79 setup fee once.

Rent or Buy

Renting costs less up front. Buying costs less over time. The question is how long you will need it, and for most people with sleep apnea the honest answer is years.

Here is how to read it. At $55.98 a month, renting passes the price of a new AirSense 11 plus its supplies at about month 34. Against a Luna G3 at $849, it passes at about month 29. Before that, renting wins. After that, buying wins every month.

Rent first if any of these are true.

• You were just diagnosed and do not yet know if you can sleep with a mask
• Your doctor may move you to an oral appliance or another treatment
• You are losing weight and your pressure may change
• You cannot spend $850 to $1,000 at once

Buy if you have used CPAP for a few months, it works, and you plan to keep using it. Many people rent for three to six months to be sure, then buy.

What a New Machine Costs to Buy

If you buy, these are the cash prices on retailer sites today. Sale prices come and go.

Read on each retailer’s own page on 14 October 2026. Add about $30 to $160 for a mask.

Machine	Cash price	Seen at
ResMed AirSense 11 AutoSet	$1,004 to $1,054	Lofta, ResMed
React Health Luna G3 Auto	$849 to $899	Hart Medical, Easy Breathe
Philips DreamStation 2 Auto	$879 to $1,100	Lofta, Lindsey Medical
ResMed AirMini travel CPAP	$919	Lofta, Hart Medical

Most of these are auto CPAPs. An auto machine adjusts its pressure through the night, so it often needs less fine tuning than a fixed one. Your prescription says which type you need.

You Need a Prescription Either Way

A CPAP is a prescription device under federal rules. Every company above asks for one before it ships, whether you rent or buy. The prescription lists your machine type and pressure settings.

No insurance does not mean no prescription. It means you pay for the steps yourself.

1. Get a sleep test. A home sleep test is the cheapest route, often about $150 to $500 cash. A night in a lab often runs $1,000 or more. Read home test or lab to see which one fits you, and what to expect at a sleep study.
2. Have it read. A sleep doctor reads the result and diagnoses you. Many home test companies include this in the price.
3. Get the prescription. The doctor writes it with your settings. Ask for a copy you can send to any supplier.
4. Send it to the rental company. Most take email or fax. Then they ship.

Ask every clinic for its cash price before you book. Many have one and few post it. Find home sleep testing in Ohio, Michigan, Indiana and Kentucky. If you have some insurance and are not sure it covers the test, read does insurance cover a sleep study.

How to Rent a CPAP, Step by Step

1. Have your prescription ready. A photo or PDF is usually fine.
2. Price the full month. Machine, supplies and mask together, plus any setup fee and deposit.
3. Ask which machine you will get. Model and age. Ask if it was cleaned and checked, and if it has a heated humidifier.
4. Pick a mask you can sleep in. Nasal pillows, nasal or full face. This matters more than the machine. If one is not comfortable, ask to swap it.
5. Read the exit terms. How you cancel, who pays return shipping, and what they charge if it is lost or damaged.
6. Use it every night. The first two weeks are the hardest. Most comfort problems have a fix, so call the supplier before you give up.

Ten Questions to Ask Before You Pay

• What is the total each month, with everything I need to use it?
• Is there a setup fee or a deposit, and is the deposit refunded?
• Is a mask included? If not, what does one cost?
• Which model is it, and how old?
• Does it have a heated humidifier?
• Can any of my rent go toward buying it?
• What do you charge if it is damaged or lost? Some charge up to 80 percent of a new one.
• How do I cancel, and who pays to ship it back?
• Do you take HSA or FSA cards?
• Can I see my nightly use data, and can my doctor?

Your use data matters. It shows if the mask leaks and how many events you still have. Your doctor needs it to fine tune your settings.

Rental, Rent to Own and Medicare’s 13 Months

These three get mixed up a lot.

A plain rental means you pay each month and never own it. The CPAP Box works this way. Stop paying, send it back, and you are done.

Rent to own means some of what you pay counts toward buying it. CPAP Ninja applies rent toward a purchase, up to half of retail. Ask how much counts and for how long.

Medicare’s capped rental is the version insurance uses. Medicare covers a 12 week trial, then pays a supplier to rent the machine for 13 months. After that you own it. You pay 20 percent after the Part B deductible. Many private plans copy this.

Medicare keeps paying only if you use the machine at least 4 hours a night on 70 percent of nights in a 30 day stretch during the first three months. Read the 4 hour rule for CPAP for how that works. With a cash rental, no one checks your hours to keep paying. But the same 4 hours is a fair goal for your own health.

Paying With an HSA or FSA

The IRS lets you pay for medical equipment and supplies from an HSA or FSA. A CPAP and its supplies are generally treated as eligible. The CPAP Box says you may use HSA funds. CPAP Ninja says it does not accept HSA or FSA cards, so you would pay and then claim it back.

A limited purpose FSA, the kind that covers only dental and vision, usually will not cover it. Check with your plan before you count on it.

Renting a CPAP for a Trip

Forgot your machine, or going somewhere for a few weeks? Short rentals exist but are thin on the ground. CPAP Ninja has a one month minimum. CPAP Supply USA rents for 35 days. Some city rental services bring medical gear to a hotel for a delivery fee.

If you travel often, a travel CPAP may be worth owning. The ResMed AirMini sells for about $919. Insurance rarely pays for a second machine, so this is usually cash either way.

Why Not Just Buy a Used One

It is tempting. Used machines show up online for a few hundred dollars. Here is why to slow down.

• A CPAP is a prescription device, and federal rules limit who may sell one. A private sale sits in a gray area at best.
• You do not know how it was used, cleaned or stored, or how many hours it has run.
• It may be set for someone else’s pressure, and changing it should follow your own prescription.
• It may be a recalled machine.

On that last point, Philips recalled millions of CPAP and BiPAP machines in June 2021 over foam that could break down. In April 2024 a court order limited Philips from selling new machines in the United States until it meets set conditions. If a used Philips machine is offered to you, look up its serial number on the Philips recall site first.

A rental from a supplier gets around all of this. The machine is cleaned, checked and set to your prescription.

If You Cannot Afford Any of This

Do not just go without. Untreated sleep apnea raises the risk of high blood pressure, heart rhythm problems and car crashes. Try these first.

• Ask the sleep clinic for its cash price and a payment plan. Many offer both and few advertise them.
• Look for a community health center. They charge on a sliding scale based on income.
• Rent the cheapest complete setup while you save to buy.
• Ask your doctor if an oral appliance from a dentist could work for you. For mild to moderate apnea it is a real option.

Every CPAP Supplier We List

265 places in Ohio, Michigan, Indiana and Kentucky are listed for CPAP supply and fitting. A local supplier can fit a mask in person, which is worth a lot in the first month. Ask each one if it rents to cash payers. Each page shows what Google, Yelp and Facebook say about it, side by side.

Common Questions

How much does it cost to rent a CPAP without insurance?

About $30 to $60 a month for the machine. Add supplies and a mask and most people pay about $40 to $60 a month. Some companies also charge a setup fee or a deposit.

Can I rent a CPAP without a prescription?

No. A CPAP is a prescription device, and every rental company we checked asks for one. Supplies like filters and cushions often do not need one.

Is it better to rent or buy a CPAP?

Rent if you are new to CPAP or need it for less than about two and a half years. Buy if you know it works for you and you will keep using it. Our calculator shows the break even month for your numbers.

Can I rent a CPAP for vacation?

Yes, but short rentals are hard to find. Some rent for a month or 35 days, and some city services deliver to a hotel. If you travel often, owning a travel CPAP may cost less.

Do CPAP machines have a monthly fee?

Only if you rent or sign up for a supply plan. A machine you own has no monthly fee, but you still need to replace the mask parts, filters and tubing on a schedule.

What is the 70 percent rule for CPAP?

Insurance often keeps paying only if you use CPAP at least 4 hours a night on 70 percent of nights in a 30 day stretch. Read the 4 hour rule for details.

Can I use my HSA to rent a CPAP?

Generally yes, since a CPAP and its supplies count as medical equipment. Not every company takes HSA cards, so you may need to pay and claim it back.

How can I get a CPAP machine for free?

There is no reliable free source. Your best low cost options are a sliding scale clinic, a payment plan, or a low cost rental while you save. Avoid unchecked used machines.

Where These Facts Come From

• The CPAP Box, machine rental terms
• The CPAP Box, supply plan
• The CPAP Box, questions and answers
• CPAP Ninja, CPAP rental
• Affordable Medical Supplies, CPAP machines
• CPAP Supply USA, rental machines
• Lofta, CPAP machine prices
• ResMed, AirSense 11 AutoSet
• Hart Medical, Luna G3 Auto
• Easy Breathe, Luna G3 Auto
• Lindsey Medical, DreamStation 2 Auto
• Federal rule on prescription devices, 21 CFR 801.109
• Medicare.gov, CPAP devices
• CMS coverage rule L33718, use requirement
• IRS Publication 502, medical expenses
• FDA, Philips CPAP and BiPAP recall
• HRSA, find a health center

NightWells publishes information, not medical advice. A CPAP needs a prescription and the settings should come from a clinician who has seen your sleep study. Prices change, so confirm with the company before you pay. Nobody on this page paid to be on it.