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Plans in which substantially all of the coverage is through the items listed earlier aren’t HDHPs.For example, if your plan provides coverage substantially all of which is for a specific disease or illness, the plan isn’t an HDHP for purposes of establishing an HSA.
For an HSA established by a self-employed (or unemployed) individual, the individual can contribute. The amount you or any other person can contribute to your HSA depends on the type of HDHP coverage you have, your age, the date you become an eligible individual, and the date you cease to be an eligible individual.
Family members or any other person also may make contributions on behalf of an eligible individual. For 2018, if you have self-only HDHP coverage, you can contribute up to $3,450.
You can have a prescription drug plan, either as part of your HDHP or a separate plan (or rider), and qualify as an eligible individual if the plan doesn’t provide benefits until the minimum annual deductible of the HDHP has been met.
If you can receive benefits before that deductible is met, you aren’t an eligible individual. For an employee’s HSA, the employee, the employee’s employer, or both may contribute to the employee’s HSA in the same year.
If you meet these requirements, you are an eligible individual even if your spouse has non-HDHP family coverage, provided your spouse’s coverage doesn’t cover you.