HSA Eligibility Checker

Six quick questions to check whether you currently meet the requirements to contribute to an HSA. This checks account-level eligibility (your coverage type) — not whether a specific purchase qualifies, which is what our eligibility lookup is for.

Are you currently enrolled in a High-Deductible Health Plan (HDHP)?

Coverage type

Your plan's annual deductible ($)

Can someone else claim you as a dependent on their tax return?

Are you enrolled in Medicare (any part)?

Are you covered by a general-purpose FSA (yours or a spouse's)?

Are you covered by a non-limited HRA?

Result

—

This is a general screening tool based on the federal rules covered in our HSA vs. FSA and HSA after 65 guides — it's not a substitute for confirming your specific situation with your plan administrator or a tax professional.

Topical Network

Continue Exploring

This page is part of a larger topic cluster. Follow a related hub to move from an answer to the supporting guides, categories, and tools.

View all topic hubs →

Topic hub

HSA Contributions & Eligibility

Connect contribution limits, family rules, self-employed HSA rules, and the tools that help determine what you can contribute.

HSA Contribution Limits Family HSA Contribution Rules Self-Employed HSAs

Topic hub

HSA-Eligible Expenses

Browse the eligibility network by category, then jump into the specific products and services HSAMaxGuide has checked.

Full Eligibility Lookup OTC Medications Medical Devices & Equipment

Topic hub

HSA vs. FSA

Connect the core differences between HSAs and FSAs with eligibility, contribution, reimbursement, and expense questions.

HSA vs. FSA: What Actually Changes When You Switch HSA Eligibility Checker HSA & FSA Contribution Calculator