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Who is eligible for an HSA?

To open and contribute to an HSA, you must meet the following eligibility requirements:

You must be:

You must not be:

  • Covered by any other non-qualified health plan, including your spouse’s health insurance.
  • Covered by your own or spouse’s medical flexible spending account (FSA).
  • Enrolled in any part of Medicare, Medicaid, or Tricare (although you can still be HSA-eligible if your spouse is enrolled in one of those plans).
  • Receiving Veteran’s health benefits currently or in the past 90 days for a non-service connected disability. If you are otherwise HSA-eligible, you can open an HSA on the first day of the fourth month after your treatment ends.
  • Claimed as a dependent on another person’s tax return.

Are you eligible for an HSA?

Take this quick survey to find out now.

If you aren’t sure whether your health plan is HSA-qualified, contact your health insurance provider.