@Bsch4477 wrote:
Pub 969 pg. 9 lists the exceptions for using HSA funds for insurance premiums. Dedicated dental insurance is not on that list. Of interest is that (like vision insurance) dental insurance is not considered essential medical coverage.
You are getting two things mixed up.
On page 5, Vision Care is one type of insurance you can have that does not make you ineligible to contribute to an HSA.
Page 9 describes qualified expenses, the words "vision" or "dental" are nowhere on page 9. Instead, it says "You can't treat insurance premiums as qualified expenses unless the premiums are for (4) medicare and other health coverage if you are over age 65."
In other words, if you are under age 65, a vision or dental policy does not disqualify you from making contributions, but the premiums for those policies are not qualified expenses. At age 65 or older, those premiums are qualified expenses.
Remember the rules for contributions and the rules for withdrawals are separate.
