HSA Eligibility Requirements

Question 1

What is the primary requirement an individual must meet to be eligible to contribute to a Health Savings Account (HSA)?

Accepted Answer

Enrollment in a High Deductible Health Plan (HDHP)

Answer

To contribute to an HSA, an individual must be covered under a qualifying High Deductible Health Plan (HDHP) and meet no other disqualifying conditions.

Question 2

Which of the following would automatically disqualify an individual from contributing to an HSA?

Accepted Answer

Enrollment in Medicare Part A or Part B

Answer

Enrollment in Medicare Part A or Part B disqualifies an individual from making HSA contributions because Medicare is considered non-HDHP health coverage.

Question 3

An individual claimed as a dependent on another person's federal tax return is:

Accepted Answer

Ineligible to contribute to their own HSA

Answer

Individuals who can be claimed as a dependent on someone else's tax return are not eligible to contribute to an HSA, regardless of their HDHP coverage.

Question 4

Which type of supplemental coverage is permitted alongside an HDHP without disqualifying an individual's HSA eligibility?

Accepted Answer

Stand-alone dental and vision insurance

Answer

Stand-alone dental and vision insurance are classified as "permitted insurance" under IRS rules and do not disqualify an individual from contributing to an HSA.

Question 5

For 2025, what is the minimum annual deductible required for a self-only High Deductible Health Plan (HDHP)?

Accepted Answer

$1,650

Answer

For 2025, the IRS set the minimum annual deductible for a qualifying self-only HDHP at $1,650.

HSA - Health Savings Account Certification Practice Test

HSA - Health Savings Account Certification Practice Test

HSA Eligibility Requirements