What happens next
In under 2 minutes, you'll know if you're eligible. Here's what to expect.
Based on 2027 IRS eligibility requirements
Am I eligible for an HSA?
Answer a few questions to find out if you qualify for a Health Savings Account and what you can use it for.
Takes under 2 minutes · No signup required
If you're eligible
You unlock the Triple Tax Advantage
An HSA is the only account that's tax-free going in, growing, and coming out. Better than a 401(k) or IRA.
Contributions
Tax-Free
Growth
Tax-Free
Spending
Tax-Free
What you can buy
Use pre-tax dollars on prevention
With Truemed, HSA funds work for more than just doctor visits. Spend on what actually keeps you healthy.
Fitness
Gym memberships, equipment, apps
Sleep
Mattresses, trackers, supplements
Nutrition
Supplements, protein, greens
If you qualify
2027 HSA contribution limits
In 2027, you can contribute up to $4,500 if you are covered by a high-deductible health plan just for yourself, or $9,000 if you have coverage for your family.
Individual
$4,500
per year
Family
$9,000
per year
After the quiz
Step 1
Answer a few questions
Simple yes/no about your health plan
Step 2
Get your result
Instant eligibility determination
Step 3
Open your HSA
We'll show you where to start
Takes under 2 minutes · No signup required
Common questions
HSA eligibility FAQs
You're eligible if you're covered by a High Deductible Health Plan (HDHP), have no other disqualifying health coverage, aren't enrolled in Medicare, and can't be claimed as a dependent on someone else's tax return.
You're disqualified if you have non-HDHP health coverage, are enrolled in Medicare, are claimed as a dependent, or have a general-purpose FSA or HRA that pays medical expenses before meeting your deductible.
Generally no, unless your FSA is limited-purpose (dental/vision only) or post-deductible. A general-purpose FSA disqualifies you from HSA contributions.
Yes. For 2027, the individual limit is $4,500 and the family limit is $9,000. If you are 55 or older, you can contribute an additional $1,000 catch-up contribution.
Learn more about how HSAs work in the Truemed Help Center
Truemed is a platform to help you unlock tax-free spending on health and wellness. Eligibility requirements for Health Savings Accounts are set by the IRS. Always consult a tax professional. Investing involves risk.