You, your family members and your employer can put money into your HSA account without paying taxes on it.

You can use your HSA to pay the deductible for your high-deductible health plan (HDHP) and certain costs your health plan doesn't cover, such as vision and dental fees, and over-the-counter drugs.

Who qualifies for an HSA

  • You need an HDHP that qualifies.
  • You can’t have other health insurance, including Medicare Parts A or B.
  • You may have auto, dental, vision, disability and long-term care insurance that pays medical bills.

What qualifies as an HDHP

In 2025, a health plan is an HDHP if it meets the requirements below:

High-deductible health plan requirements
 

Yearly deductible of at least:

Yearly out-of-pocket costs of at most:

Individual coverage

$1,650

$8,300

Family coverage

$3,300

$16,600

HDHPs must follow state insurance laws and might cover preventive care.

Reasons you can't open an HSA

  • You signed up for Medicare.
  • You received benefits from the Department of Veterans Affairs during the past three months.
  • You currently use an HSA from an employer.

To find out if you qualify, ask your employer’s human resource department.

Where to buy an HSA

Ask your employer or health plan for more information.

Related topics

Learn how health insurance works

Health insurance helps pay your medical bills when you seek care. Knowing what your options are can help save you time, money and frustration.

Individuals & families

If you don’t have health insurance through an employer, you can buy an individual health plan during the annual open enrollment period.