You can contribute to an HSA only if you are covered by a High Deductible Health Plan (HDHP) - ask your benefits person - and have no conflicting coverage, like an FSA for either you or your spouse or Medicare or "normal" employer insurance and so on. Without this, there is no point in creating an HSA.
Having said that, I believe that an HSA is a great benefit, because the money that goes in is not taxed, the earnings are not tax, and the money that comes out for qualified medical expenses is not taxed.
In most cases, if your employer provided HDHP coverage, then your employer would help you create an HSA. Or you can do an Internet search, because there are many large reputable companies and banks which host HSAs.
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