Health Savings Account (HSA) 101

Who is eligible for a Health Savings Account (HSA)?

Generally, you may contribute to an HSA only if you have a High Deductible Health Plan (HDHP). If you no longer have an HDHP but still have HSA funds, you can still use those dollars at any time to pay for qualified medical expenses so long as you are not contributing.

Minimum HDHP Deductibles 2022

To qualify for an HSA, your deductible must meet or exceed the following amounts. For 2022, the minimum deductible for an HDHP is:

  • $1,400 for an individual.
  • $2,800 for a family.

Other Considerations

To be eligible for an HSA, you must also meet the following criteria:

  • You are not covered by another health plan
  • You are not eligible to be claimed as a dependent on another person’s tax return
  • You are not entitled to Medicare benefits

For additional questions about HSA eligibility, please reach out to Benepass Support.


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