If you are included in health coverage from a spouse or parent’s plan, that qualifies as “other types of health coverage.” For example, if your spouse has a flexible spending account (FSA) that reimburses medical expenses, you would be disqualified from contributing to an HSA. However, if your spouse has a limited purpose FSA (one that only reimburses dental and vision expenses, for example), then you might qualify for contributing to an HSA. Likewise, if you’re not included in your spouse’s health coverage, then you may qualify. Other types of coverage may include supplement or gap plans. Generally anything that reimburses medical expenses (as outlined in
IRS publication 502 should be considered).