you are correct. you are eligible.
Qualifying for an HSA
To be an eligible individual and qualify for an HSA, you must meet the following requirements.
• You are covered under a high deductible health plan (HDHP).
• You have no other health coverage except what is permitted under Other health coverage, later (specialize insurance such as for cancer, dental vision)
• You aren’t enrolled in Medicare.
• You can’t be claimed as a dependent on someone else’s 2019 tax return.
Under the last-month rule, you are considered to be an eligible individual for the entire year if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers).
If you meet these requirements, you are an eligible individual even if your spouse has non-HDHP family coverage, provided your spouse’s coverage doesn’t cover you.
