Who Can Open a HSA?

Who Can Open a Health Savings Account? 

According to federal guidelines, you can open and contribute to an HSA if you:

  • Are covered under a high-deductible health plan

  • Are not covered by any other non-HDHP plan, such as that for a spouse (there are exceptions for certain plans with limited coverage, such as dental, vision and disability)

  • Are not enrolled in Medicare

  • Are not claimed as a dependent on someone else's tax return

Danielle LaFace