And actually I have to further amend this answer. You can't use HSA funds to pay for insurance premiums except in limited types of insurance.
Insurance premiums.
You can’t treat insurance premiums as qualified medical expenses unless the premiums are for any of the following.
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Long-term care insurance.
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Health care continuation coverage (such as coverage under COBRA).
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Health care coverage while receiving unemployment compensation under federal or state law.
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Medicare and other health care coverage if you were 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap).
For 2020, a health sharing ministry is not considered "insurance" under IRC section 213(d), and so your premiums may be paid or reimbursed from an HSA. However, there is a proposal to classify health sharing ministries as "insurance" starting January 1, 2021. This would mean that such payments are deductible medical expenses for the itemized deduction, but it also means that health sharing ministry premiums would be disqualified from being paid from an HSA. (You could still deduct co-pays and deductibles.)
Also, since health sharing ministries are not considered "insurance" under the meaning of the law, they would not qualify as an HDHP and would not allow you to make new tax-deductible contributions to an HSA. You can still use existing money in an HSA to pay expenses, but not make new contributions.
