You are eligible to open an HSA if:

• You are covered by a qualified HDHP (High Deductible Health Plan)
• You are not enrolled in Medicare (generally if you are under 65 years of age)
• You are not being claimed as a dependent on someone else's tax return

You are not eligible to open an HSA if:

• You are covered by another health plan that is not a qualified HDHP, such as Tri care (military), flexible spending arrangements and any insurance plan that reimburses the individual after expenses are paid.

Some exceptions may be allowed for:

• Dental coverage
• Accident and disability coverage
• Employee assistance programs

You should consult with your insurance agent or employer plan for qualifications for an HSA.