I am a 1099 employee, can I open an health saving account pre-tax with my local bank and use that to pay for health insurance

[Critter-3]

 https://www.wageworks.com/employees/support-center/support-and-faq/healthcare/hsa/can-i-use-my-hsa-t...

[mdineen]

thank you

[TomD8]

If your work income is reported to you on a 1099-NEC or 1099-MISC instead of on a W-2, the IRS considers you a self-employed individual, not an employee.

A self-employed individual can open an HSA, but according to HSA rules set by the IRS, you can only open an HSA if you’re covered by an HSA-eligible high-deductible health plan (HDHP). 

This website has more details for you:

https://www.bendhsa.com/hsas-for-small-business

As @Critter-3 pointed out, only certain limited types of health insurance can be purchased with HSA funds.