HSA Education Frequently Asked Questions

An employer provides an in-house, on-site physician a couple of days a week to his employees for typical family-practice services. Employees who opt to visit this physician do not use HSA funds to pay for the services since it is free. Is this EAP permitted coverage?

Does an individual need earned income in order to be eligible for contributions to an HSA?

Does coverage under an Employee Assistance Program (EAP), disease management program, or wellness program make an individual ineligible to contribute to an HSA?

If an employee begins HDHP coverage mid-month, when does the employee become an eligible individual? (For example, coverage under the HDHP begins on the first day of a biweekly payroll period.)

If an otherwise eligible individual under section 223(c)(1) is eligible for medical benefits through the Department of Veterans Affairs (VA), may he or she contribute to an HSA?

May an otherwise eligible individual who is covered by both an HDHP and also by insurance contracts for one or more specific diseases or illnesses, such as cancer, diabetes, asthma or congestive heart failure, contribute to an HSA if the insurance provides benefits before the deductible of the HDHP is satisfied?

May an otherwise eligible individual who is eligible for Medicare, but not enrolled in Medicare Part A, Part B or Part D, contribute to an HSA?

Must coverage for "permitted insurance" described in section 223(c)(3) (liabilities incurred under workers' compensation laws, tort liabilities, liabilities relating to ownership or use of property, insurance for a specified disease or illness, and insurance paying a fixed amount per day (or other period) of hospitalizations), be provided under insurance contracts?

What kind of other health coverage makes an individual ineligible for an HSA?

What other kinds of health coverage may an individual maintain without losing eligibility for an HSA?

Who is eligible to have an HSA?