Can I use my HSA to pay for dental and/or vision insurance premiums (age over 65)? Are dental and vision considered "other health care coverage"?

[ss-mendo-munny]

according to the IRS, funds from your Health Savings Account (HSA) may not be used to pay insurance premiums unless they meet the qualifications shown below:

You can’t treat insurance premiums as qualified medical expenses unless the premiums are for:

1. Long-term care insurance.

2. Health care continuation coverage (such as coverage under COBRA).

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).

[BMcCalpin · Accepted solution]

Yes, you can pay for dental and vision insurance from your HSA if you are 65 or older.

Section 223(d)(2)(C)(iv) states that anyone who has reached Medicare age (currently 65) can use HSA funds to pay for "any health insurance other than a medicare supplemental policy". See https://www.law.cornell.edu/uscode/text/26/223

While the instructions are somewhat vague ("other health care coverage"), the law authorizing HSAs in the first place (Section 223) is quite clear.