To contribute to an HSA, you must be enrolled in a High-Deductible Health Plan (HDHP)

This is an insurance plan with a higher deductible than standard plans. You generally cannot have other comprehensive health coverage (like a standard health plan or general-purpose Flexible Savings Account (FSA) alongside an HSA. You also cannot be enrolled in Medicare, or be claimed as a dependent on someone else’s tax return. If you meet these criteria, you’re eligible for an HSA.