Am I eligible for an HSA?
Answer a few questions to find out if you qualify for a Health Savings Account and what you can use it for.
Takes under 2 minutes · No signup required
If you're eligible
You unlock the Triple Tax Advantage
An HSA is the only account that's tax-free going in, growing, and coming out. Better than a 401(k) or IRA.
What you can buy
Use pre-tax dollars on prevention
With Truemed, HSA funds work for more than just doctor visits. Spend on what actually keeps you healthy.
Fitness
Gym memberships, equipment, apps
Sleep
Mattresses, trackers, supplements
Nutrition
Supplements, protein, greens
If you qualify
2026 HSA contribution limits
Every dollar you contribute reduces your taxable income. Here's how much you can save this year.
After the quiz
What happens next
In under 2 minutes, you'll know if you're eligible. Here's what to expect.
Answer 4 questions
Simple yes/no about your health plan
Get your result
Instant eligibility determination
Open your HSA
We'll show you where to start
Takes under 2 minutes · No signup required
Common questions
HSA eligibility FAQs
Who is eligible for an HSA?
You're eligible if you're covered by a High Deductible Health Plan (HDHP), have no other disqualifying health coverage, aren't enrolled in Medicare, and can't be claimed as a dependent on someone else's tax return.
What disqualifies me from having an HSA?
You're disqualified if you have non-HDHP health coverage, are enrolled in Medicare, are claimed as a dependent, or have a general-purpose FSA or HRA that pays medical expenses before meeting your deductible.
Can I have an HSA and FSA at the same time?
Generally no, unless your FSA is limited-purpose (dental/vision only) or post-deductible. A general-purpose FSA disqualifies you from HSA contributions.
Are HSA contribution limits different for individual vs family?
Yes. For 2026, the individual limit is $4,400 and the family limit is $8,750. If you're 55 or older, you can contribute an additional $1,000 catch-up contribution.
Learn more about how HSAs work on truemed.com