It depends. To stay eligible for HSA contributions, you must not have any other health coverage that pays for non-preventive care before you meet your plan’s deductible—unless that coverage is considered HSA-compatible.
🚫 Types of Disqualifying Coverage:
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A spouse’s general-purpose FSA or HRA that can reimburse your expenses
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Secondary group health insurance that isn’t HSA-qualified
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VA benefits used for non-service-related care in the past 3 months (with some exceptions)
✅ Types of Allowed Coverage:
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Limited-purpose FSAs or HRAs (for dental and vision only)
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Post-deductible FSAs or HRAs (that only reimburse after you meet your deductible)
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Accident, disability, dental, vision, or specified disease insurance
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Preventive services, including wellness visits and screenings
🧠 Why It Matters:
Even if you aren’t enrolled in the other coverage, being eligible to use a spouse’s disqualifying FSA or HRA can still make you ineligible for HSA contributions.