How much does a CPAP machine cost?

By SleepApneaSelect · Prices and rules checked October 7, 2026

A home CPAP machine cost $499 to $1,004 at the sellers we checked. That's the cash price, with no insurance. A mask is extra. Add a $105 mask and you're at $604 to $1,109 to start, before tax and shipping.

Those are auto-adjusting machines, often called APAP or auto CPAP. The $499 price was a sale. This is a small sample of real listings, not the whole market.

With insurance, the price tag isn't what you pay. You pay a share of what your plan approves. Our Original Medicare examples put that share at about $95 to $204 for the machine alone over 13 months, using 2026 rates in the contiguous U.S. and assuming your deductible is met in both years. A humidifier and supplies cost extra. On a high-deductible plan, cash can cost less.

You need a prescription either way.

Need your prescription first? Prescription and records help.

Seller links on this page are unpaid. Advertising disclosure.

CPAP machine prices without insurance

Compare the whole package, not just the model name. These machines all have a built-in humidifier. None comes with a mask. The last column is our calculation: it adds the same $105 mask to each one so you can see a real starting cost.

Checked October 7, 2026. Prices are before tax and shipping.

A few things to know about this table:

• It's three machines from three sellers. It is not an average, and it is not a ranking.
• The mask is an example. We used the ResMed AirFit P10 complete mask at CPAP.com, listed at $105. Your mask may cost more or less. Pick the one that fits you.
• Two totals use two stores. The Luna machine is from DirectHomeMedical; the fourth-row AirSense 11 is from The CPAP Shop. Both totals use the mask from CPAP.com. The CPAP Shop's own $105 P10 add-on was out of stock when checked. These are calculated totals, not single-store bundles.
• Sale prices end. Check the cart before you count on $499.

The cheapest machine is not always the right one. Your prescription decides which type you can buy.

What comes in the box

Luna G3 at DirectHomeMedical: the machine with humidifier, water chamber, 6-foot heated hose, two reusable foam filters, power supply, SD card, carrying case, and manual.

AirSense 10 at CPAP.com: the machine with humidifier, heated ClimateLineAir hose, water chamber, power supply, disposable filter, travel bag, and manual. Its heated hose is already in the $960 price.

AirSense 11 at CPAP.com: the machine with humidifier, standard hose, water chamber, power supply, one disposable filter, travel bag, and user guide. The compatible ClimateLineAir 11 heated hose is $46 more. With the mask and the heated hose, our calculated total is $1,155.

The new Luna G3 and AirSense 11 listings show a 2-year manufacturer's warranty.

Travel CPAP prices

Travel machines are small. A smaller machine does not necessarily mean a lower complete-setup cost.

One complete AirMini setup example is the $919 machine plus CPAP.com's $165 AirFit P10 AirMini mask-and-hose pack: $1,084 before tax and shipping, our calculation. The pack includes the AirMini-specific P10 mask and headgear, nasal pillows, AirMini hose, and HumidX components. Other compatible setups have different costs.

BiPAP machine prices

A bilevel machine, often called BiPAP, uses different pressures for breathing in and out. It needs a prescription for that type of therapy, not an upgrade you pick from a price list. (NHLBI)

The two ResMed bilevel offers we checked at The CPAP Shop cost more than the home APAP examples: $1,776 for the AirCurve 10 VAuto and $1,836 for the AirCurve 11 VAuto. Both include a humidifier. The AirCurve 10 package has standard tubing; the AirCurve 11 package includes heated tubing. A mask is separate.

Same price, different return rules

CPAP.com and The CPAP Shop both list the AirSense 11 at $1,004. The price is the same. What happens if you can't get used to it is not.

If this is your first machine, a return window is worth real money.

A warranty is not a return policy. A 2-year limited warranty covers eligible defects under its terms. It does not give you two years to send back a machine you don't like.

Is cash or insurance cheaper for you?

Here's an easy mistake to make: comparing the cash price to the first insurance payment. Compare the cash price to everything you'll pay until the machine is yours.

Enter your numbers below. The calculator works in your browser and does not send or save your entries. It compares costs; it does not decide coverage or which machine you need.

Don't have your insurance numbers yet? Use these questions to get them.

Example 1: The smaller first-year bill that costs more

These are made-up numbers to show the math. They are not a real quote. Both sides cover the same machine and mask, with tax and shipping excluded. The $300 due now includes the first rental month, the supplier confirms ownership after 12 later monthly payments, and there is no final buyout or deductible-related price change.

The quote looks $39 cheaper after a year. But you don't own the machine yet. Payment 13 makes it $31 more than cash.

A $31 gap is small. Return rules, setup help, and deductible credit could matter more to you. The point is to count every payment.

Example 2: Original Medicare

Say Medicare approves $50 for the first month's rental. That's close to the 2026 amount in many non-rural areas.

• Medicare approves the full $50 for months 1 to 3. That's $150.
• It approves 75% of that, or $37.50, for months 4 to 13. That's $375.
• Total approved: $525.
• Your 20% share: $105, if your deductible is met in both calendar years, the supplier accepts assignment, and the approved rate stays the same.

In this example, Medicare costs less on the machine. The $1,004 cash listing also includes a humidifier, hose, and starter filter; Medicare can bill those separately. Add the same items on both sides before choosing how to pay.

Example 3: A high-deductible plan

Made-up numbers again. Your plan approves $95 a month for 10 months, plus $450 for the humidifier, mask, and starter supplies. That's $1,400 approved. Assume all charges fall in one benefit year, the supplier accepts those amounts, the machine becomes yours after payment 10, and the equipment matches the $1,109 cash setup. Tax, shipping, later replacement supplies, and other medical bills are excluded.

• At least $1,400 of deductible left, with no out-of-pocket cap reached: you pay all $1,400. Cash for the same setup is $1,109. Cash is $291 lower.
• Deductible already met, 20% coinsurance: you pay $280. Insurance is $829 lower.

Same plan. Same machine. The answer flips based on your deductible.

CPAP machine cost with insurance

There is no single price with insurance. What you pay depends on three numbers:

1. The approved amount. This is the covered amount your plan uses to calculate payment to the supplier, shared between you and the plan. It is not the sticker price.
2. Your deductible. If it applies to this equipment, you pay covered charges toward the amount you have left before the plan starts sharing those costs.
3. Your coinsurance. After the deductible, you pay the percentage your plan sets. For example, 20% means $20 of a $100 approved charge. Some plans use a copay instead.

These terms follow HealthCare.gov's explanations of allowed amounts, deductibles, and coinsurance. Your plan's benefit year, out-of-pocket limit, and coverage conditions also matter.

Your plan may require an in-network supplier. It may rent you the machine month by month until it becomes yours, or pay for an outright purchase. Confirm the arrangement before you order.

Is a CPAP machine cheaper with insurance?

Sometimes. Meeting your deductible can make insurance cost less. A large remaining deductible can make cash cheaper. The total quote decides.

The American Academy of Sleep Medicine says the same thing. Its patient guide on CPAP and insurance says paying yourself may be cheaper than using insurance, especially on a high-deductible plan. It tells patients to price-shop both ways.

What you give up by paying cash

Will a cash purchase count toward my deductible?

Don't assume it will. Call your plan before you buy. Ask if it will pay you back for a purchase from that exact seller, and what paperwork it needs. CPAP.com offers self-filing forms and describes submitting an itemized receipt and prescription. A receipt alone doesn't mean your plan will accept it. A claim might count toward your deductible without producing a reimbursement payment; get both answers.

Questions to ask before you say yes

Two calls. Write down the answers and put them in the calculator.

CPAP machine cost with Medicare

With Original Medicare, after you meet the Part B deductible, you pay 20% of the amount Medicare approves when your supplier accepts assignment. Medicare pays to rent the machine while you meet its coverage conditions. After 13 continuous rental payments, you own it. (Medicare.gov)

The Part B deductible is $283 in 2026. If you've already met it this year, don't count it again.

What that 20% comes to in dollars

Medicare's monthly rental amount depends on where you live. The allowed rental is the initial fee for months 1 to 3, then 75% of that fee for months 4 to 13. That is the allowed amount shared by you and Medicare, not a promise that Medicare pays all of it.

These are 2026-rate illustrations for the machine alone, using CMS's October 2026 fee schedule. We hold the rates constant for 13 months and assume you meet coverage conditions, your supplier accepts assignment, and your deductible is met in both calendar years. Future rates and your actual bill can differ.

The first column describes Medicare's ZIP-code categories. A former competitive bidding area is not simply any city. Ask your supplier which rate applies to your ZIP code. These ranges exclude Alaska, Hawaii, Puerto Rico, and the Virgin Islands. A supplier charge below the fee schedule can also reduce the allowed amount.

The totals are our calculation from code E0601's rental rates in the CMS source files. We round each monthly allowance and each month's 20% share to cents, then add the payments. Claim processing can produce small rounding differences. Humidifier and supply charges, unmet deductibles, and supplemental coverage are outside these figures.

One deductible example: suppose the rental starts in January 2026, its allowed amounts stay at $50 for months 1–3 and $37.50 for months 4–13, and the full $283 deductible applies to the 2026 machine charges. Also suppose other covered care has met your 2027 deductible before the final rental payment. You would pay $331.40: $283 + 20% × ($525 − $283). This is our calculation under those assumptions, not a quote. If the next-year deductible is still unpaid, that total does not apply.

What that number leaves out

• The humidifier. Suppliers can bill it as its own item, even when it is built into a retail machine package.
• Mask, hose, and filters. These can be billed separately. For covered items from a supplier accepting assignment, you pay 20% after the deductible.
• A new deductible in January. A 13-month rental crosses into a second calendar year. Don't reuse the 2026 deductible as a known 2027 amount.

Here is the humidifier cost that is easy to miss. These are CMS's October 2026 amounts for a new heated humidifier purchased under code E0562, with our calculated 20% share after the deductible. Ask whether your supplier bills it as a purchase or rental.

Source: the same CMS October 2026 files, E0562 with the NU purchase modifier. The machine's 13-month calculation does not apply to this purchase price. These ranges still exclude masks and other supplies; don't combine unrelated regional minimums into a local quote.

The 20% is 20% of Medicare's approved amount. It is not 20% of the $1,004 online price.

Three rules that can cost you

1. Meet the continued-coverage requirements. Medicare starts with a 12-week trial. Continued coverage requires documented benefit, a treating clinician's re-evaluation during days 31–91, and records showing at least 4 hours of use per night on 70% of nights during a consecutive 30-day period in the first 3 months. That is a coverage threshold, not a reason to limit prescribed treatment to four hours. (CMS coverage policy)
2. Pick a supplier that's enrolled in Medicare and accepts assignment for every rental month. Otherwise, you may owe more and may have to pay upfront. (Medicare.gov)
3. On Medicare Advantage, call your plan. Its costs and supplier-network rules can differ from Original Medicare. (Medicare plan costs)

Original Medicare has no yearly out-of-pocket limit. A Medigap plan may pay some or all of your 20%.

What else you'll pay for

The machine is the big cost. These are the small ones.

Sources are linked in each row. Prices checked October 7, 2026; before tax and shipping. Select the stated size, model, and one-time purchase option when comparing a cart.

Watch the word "complete" on mask listings. CPAP.com also sells the P10 as "mask only" for $80. That version has no headgear.

Confirm the filter quantity. The selected $9 AirSense 11 filter listing says "6 Pack" in the purchase area, but its description also says two filters per pack. The price is visible; the quantity wording conflicts. Ask the seller before you rely on a per-filter cost.

A sample first year

Here is one example, paying cash. The amounts are ones we picked to show the math. They are not a schedule you must follow.

The machine's first chamber, hose, and filter are already in the box. This example buys extra parts during the year. It leaves out new mask cushions, tax, shipping, testing, and the cost of doctor visits.

How often do you really need new parts?

Sellers and insurers publish replacement schedules. Read them for what they are.

Medicare lists usual maximum covered quantities: one mask interface every 3 months, one hose every 3 months, one water chamber every 6 months, and two disposable filters a month. Headgear has a separate limit of one every 6 months. (CMS list) Coverage still depends on need and the policy's conditions. Those limits are not an order to replace parts that often, or a guarantee that every shipment will be covered.

Whether you pay cash or use insurance, follow the maker's care and replacement instructions and what your clinician tells you. If a part is damaged, doesn't fit, or no longer seals, ask your clinician or supplier what needs attention. ResMed's mask-leak guide explains why fit and cleaning matter, and when to ask for help.

Skip the cleaning machine

You don't need one. The FDA says to follow the maker's cleaning instructions, which usually means mild soap and water.

How to buy a CPAP machine without insurance

You can pay a seller directly. No insurance needed. You still need a prescription. CPAP machines are prescription devices in the U.S., and the listings we opened say one is required before shipping.

1. Get your prescription. Already diagnosed? Ask your doctor's office for a copy. You may not need a new sleep test.
2. Match the machine type. CPAP holds one pressure. APAP adjusts on its own within prescribed limits. Bilevel uses different pressures for breathing in and out. Your prescription says which type and settings you need. If you're not sure a model fits, ask your prescriber. (NHLBI's explanation of PAP types)
3. Compare the whole package. Same model, same hose, mask or no mask.
4. Read the return rules. See the table above.
5. Check the cart. Look at tax, shipping, and whether the sale price is still there.

Where to go next:

Testing and clinical appointments are separate from the equipment prices above. Lofta's page shows $189 in its purchase area and $149 elsewhere; Sleep Doctor's page lists $189 but describes consultation as both optional and included. Confirm the payable amount and required visits. A clinician must decide whether home testing is appropriate.

What if you can't afford it?

Start with the options that cost nothing to check.

1. Ask if a lower-priced model fits your prescription. The gap in our table is $505 between the Luna G3 sale price and the AirSense 11.

2. Don't rebuy what you own. If you're replacing a machine, your mask may still work. Ask the seller if it fits.

3. Look at certified pre-owned. DirectHomeMedical lists a certified pre-owned Luna G3 at $369, next to the $499 new one. The pre-owned listing requires a prescription and states a 1-year warranty, compared with two years for the new listing. Before you buy any used machine, ask what was inspected, what the warranty covers, and whether it matches your prescription.

4. Check HSA or FSA eligibility. Equipment prescribed to treat a medical condition generally fits the IRS definition of medical expenses. IRS HSA and FSA rules explain which expenses an account can pay or reimburse. Keep your receipt and prescription, check your account's requirements, and don't claim the same expense twice.

5. Don't assume the newest model costs much more. At CPAP.com, the AirSense 10 is $960 and the AirSense 11 is $1,004. That's $44 for the listed packages. The AirSense 10 includes heated tubing; adding the $46 heated hose to the AirSense 11 makes the difference $90 with the same $105 mask on both sides: $1,065 versus $1,155.

6. Be careful with payment plans. A low monthly number is not the price. Add up every payment and any fees first.

A CPAP assistance program, and its limits

The Wellness, Sleep & Circadian Network runs a CPAP Assistance Program. Here is what its page said when we checked:

• Fee: $200 for a machine package. The application includes shipping within the contiguous U.S.; it lists $20 extra for Alaska.
• Wait: there is a waiting list.
• Where: it ships only to selected states and territories. The overview contains more than one availability list; confirm your location with the program.
• What you get: right now, a ResMed AirCurve 10 VAuto with a mask, hose, and filter. That's a bilevel machine, so it has to match your prescription.
• What you need: a prescription that lists your pressure settings.

The application terms say there is no manufacturer warranty or technical support. WSCN offers a narrow 30-day replacement policy for shipping damage or mechanical failure. The fee is nonrefundable once the package ships. Arrange prescription setup and clinical help before relying on this route.

The program also lists a $100 supply package with 4 masks, 4 filters, and 2 hoses, or single masks for $25. The listed supply fees include contiguous-U.S. shipping; Alaska adds $5. Eligibility, waiting lists, mask styles, and sizes are limited. The package is not a promise that those quantities will meet everyone's needs for a year.

More CPAP cost questions

Do I need a new sleep test to replace my machine?

Not always. Start with the prescription you already have. Ask your prescriber and the seller what they need. Your clinician decides if you need a new test.

How long does a CPAP machine last?

We won't give you one number, because it depends on the machine and how it's used. Two facts help. The new Luna G3 and AirSense 11 listings show a 2-year manufacturer's warranty. Medicare uses a 5-year reasonable useful lifetime in its PAP replacement rules; that is neither a promise that the machine lasts exactly five years nor an automatic replacement date.

For a machine originally covered under Original Medicare, replacement after that period requires an in-person evaluation documenting continued use and benefit. The CMS replacement policy does not require a new sleep test or trial for that replacement. Separate rules apply to earlier loss, theft, or irreparable damage from a specific incident, and to people who obtained their machine before entering Medicare.

Will insurance pay for a second or travel machine?

Ask your plan about that exact machine and why you need it. Don't assume a backup is covered just because your first machine was.

Why is the price I see different from yours?

Prices, sales, and stock change. Ours are what the listings showed on October 7, 2026. Check the exact model, package, and mask option in the cart, then use that current total. If you spot a change, tell us.

How we checked these prices

We read each seller's own product and policy pages on October 7, 2026. We wrote down the listed price and what the listing says is in the box. Medicare rules come from Medicare.gov and CMS.

When we add numbers together, we call it our calculation and show the parts.

Here's what we did not do. We didn't buy anything or go through checkout. We didn't call sellers or ask for quotes. We didn't check anyone's insurance. We didn't test any machine. No clinician reviewed this page.

The main home-machine table covers three models and three sellers; the travel, bilevel, and pre-owned examples are separate. It's a small sample, not an average or proof of the lowest price anywhere.

Read more: How we compare · Editorial standards

Your next step

• Have a prescription? See CPAP prices.
• Have an insurance quote? Compare it to cash.
• Need a prescription? Prescription and records help.
• Not sure where you are? Start here.