Your savings federally insured to at least
$250,000 and backed by the full faith
and 
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Anyone 18 or older can open and contribute to an HSA if they:
- Have coverage under an HSA-qualified “High-Deductible Health Plan” (HDHP).
For 2009, a qualified HDHP is defined as a health plan with an annual
deductible that is not less than $1,150 for self-only coverage or $2,300 for
family coverage, and the annual out-of-pocket expenses (deductible, co-
payments, and other amounts, but not premiums) do not exceed $5,800 for
self-only coverage or $11,600 for family coverage.
- Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or long-term care insurance are permitted).
- Are not enrolled in Medicare.
- Are not covered by or have used VA medial services within the previous three months.
- Cannot be claimed as a dependent on someone else’s tax return.
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