Can I have an HSA with a health insurance policy other than an HDHP?
No. For the health savings account (HSA) requirement, you must be enrolled in a high deductible health plan (HDHP) and you can’t be enrolled in Medicare or another health insurance policy.
However, you can have insurance that provides benefits for:
- A specific disease or illness.
- A fixed amount per day (or other period) of hospitalization.
- Liabilities suffered under workers' compensation laws, tort liabilities, or liabilities related to ownership or use of property.
You’re also allowed to have coverage, provided through insurance or otherwise, for:
- Dental care
- Vision care
- Long-term care