I do not think you're hitting the mark correctly here, Vince. You can only CONTRIBUTE to an HSA while you are on a high-deductible health insurance plan. When you're off the plan, you can still use the HSA to pay for "Qualified Medical Expenses". Your source is talking about HRAs, not HSA. They are different. You could cite the IRS code for easier clarification: <a rel="nofollow" target="_blank" href="
https://www.law.cornell.edu/uscode/text/26/223">https://www.law.cornell.edu/uscode/text/26/223</a>.
This section (223) is the section on HSAs. In subsection (2) it defines "qualified medical expense", then gives an exception in subparagraph (B) stating that the defined "[qualified medical expense] shall not apply to any payment for insurance." But you yourself said that Health Care Sharing Ministries (HCSM) are NOT insurance, so this subparagraph doesn't apply.
Am I understanding this section of the tax code correctly? I'd love to hear your input, Vince.
