What is a non-qualified plan?


A non-qualified plan is any medical plan that does not meet HDHP requirements. Coverage under any other medical plan (primary or secondary/dependent coverage) will make you ineligible for an HSA plan.

Three important details:

  1. Always check with your insurance provider to see if your plan is HSA compatible.
  2. Spouse coverage can affect your eligibility. If your spouse is enrolled in any medical plan, verify that you are not covered on their plan(s). Some plans cover spouses by default and could make you ineligible to contribute to an HSA plan.
  3. There are many commonly overlooked non-qualified plans. A few examples include:
  • Medicare
  • Medicaid
  • Tri-Care
  • VA Benefits*
  • Flexible Spending Accounts (FSA)
  • Health Reimbursement Arrangement (HRA)
  • Medical Reimbursement Plan (MRP)

*If you haven’t received Veteran’s benefits in the last three months, you can contribute to an HSA plan.