11/02/2017 If you meet the following criteria, you are eligible to deposit money in an HSA: You are enrolled in a qualified high deductible health plan (HDHP). You cannot be claimed as anyone’s dependent. You are not covered by any non-qualified plans. These eligibility rules determine if you can add to your HSA account, not if you can spend your HSA money. This is a handy feature should your eligibility change in the future.