Can i pay for medical insurance with an HSA?

[edurand36]

I quit my job that had an HSA account, am currently employed in a non benefited position and pay for my own high deductible healthcare plan. The healthcare plan is private, not through the marketplace. Can I pay the insurance premiums with my HSA and is that a medical expense? I've been getting conflicting answers online

[TomD8]

Generally, you cannot treat insurance premiums as HSA-qualified medical expenses unless the premiums are for:

1. Long-term care insurance. (subject to IRS mandated limits based on age and adjusted annually, see IRS Publication 502: Long-Term Care).
2. Health care continuation coverage (such as coverage under COBRA – see IRS Publication 502: COBRA Premium Assistance).
3. Health care coverage while receiving unemployment compensation under federal or state law.
4. Medicare and other health care coverage if you were 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap).

Note also that items (2) and (3) can be for your spouse or a dependent meeting the requirement for that type of coverage. For item (4), if you, the account beneficiary, are not 65 or older, Medicare premiums for coverage of your spouse or a dependent (who is 65 or older) generally are not qualified medical expenses.

https://www.hsaresources.com/faq/#distributions-08