topic Can I use HSA to pay for wife's health insurance? (not Cobra, a personal plan). I just retired and she is no longer covered. She will be on medicare next December at 65. in Deductions & credits

Can I use HSA to pay for wife's health insurance? (not Cobra, a personal plan). I just retired and she is no longer covered. She will be on medicare next December at 65.

Anonymous — Mon, 24 Jun 2019 18:35:25 GMT

Re: Can I use HSA to pay for wife's health insurance? (not Cobra, a personal plan). I just retired and she is no longer covered. She will be on medicare next December at 65.

Critter — Tue, 25 Jun 2019 01:33:17 GMT

https://ttlc.intuit.com/community/tax-credits-deductions/discussion/can-a-wife-use-her-hsa-to-pay-for-husband-s-medical-bills-if-he-s-under-different-non-high/00/701324

Re: Can I use HSA to pay for wife's health insurance? (not Cobra, a personal plan). I just retired and she is no longer covered. She will be on medicare next December at 65.

dmertz — Wed, 26 Jun 2019 03:50:19 GMT

No, the premiums for her personal health insurance are not qualified medical expenses for the purpose of an HSA distribution. However, they are qualified medical expenses for the purpose of a Schedule A medical deduction.

Once both you and she have reached age 65, premiums for her Medicare coverage or a Medicare supplemental policy would be qualified medical expenses for the purpose of an HSA distribution from your (not her) HSA. (Only the HSA owner needs to be age 65 for Medicare premiums of the HSA owner to be qualified medical expenses.)