To be eligible to open and contribute to a Health Savings Account (HSA), you must have an HSA-qualified high-deductible health plan, be an adult, not be claimed as a dependent, and avoid disqualifying coverage like Medicare or a spouse’s FSA. You don’t need to be the primary insured on the health plan, and married couples can split contributions or open separate accounts, especially if both are age 55 or older and want to make catch-up contributions.

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