"Contributing to an HSA absolutely *requires* that you have a qualified, HSA-eligible high deductible health insurance plan. No health insurance, no HSA contributions"No.A personal HSA to which one may contribute pretax dollars (the objective of the OP) is, by definition, made of two components: a custodial HSA and a HDHP. This is by definition.If one is already covered by a health plan from their employer or their spouses employer, as I'm sure the OP is, then they are not eligible to contribute to a personal HSA.BruceM
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