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If what you signed up for 2013 wasn't labeled as a HDHP, IMO it's very likely it isn't a HSHP and you don't qualify for an HSA. But I would certainly check with whoever's providing you coverage (your HR department if it's through a job, or the insurance agent if it's not)

Neither. I am considered a retiree from my late husband's company. The plan is called "Essentials" and has an in network deductible of $2000. I would say I am allowed to buy it - no one is providing it ;) I can call the company. While Aetna administers it, the company is self-insured.

For my work, I am self-employed.

I knew about the other boards and that they had little traffic. I can check with my financial advisor on HSA accounts but I was hoping someone had somewhere they recommended or had at least experience with.
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