Yes. HSA rules are based on tax dependency, not health plan enrollment. You can use your HSA to pay for qualified medical expenses for your spouse and any tax dependents, even if they aren’t covered under your high-deductible health plan.
✅ Who Counts as a Tax Dependent?
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Children claimed on your tax return (including college students)
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A spouse (always considered eligible)
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Other relatives who meet IRS dependency tests (e.g., certain elderly parents)
Example: Your college-aged child is on their own insurance plan, but you still claim them as a dependent. You can use your HSA to pay their medical bills tax-free.
🧠 Tip:
Always confirm whether someone is your tax dependent for the year before using HSA funds for their expenses—especially in cases like shared custody or adult children.