Any adult can contribute to an HSA if they:
• Have coverage under an HSA-qualified “high deductible health plan” (HDHP)
• Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or longterm care insurance are permitted).
• Are not enrolled in Medicare.
• Cannot be claimed as a dependent on someone else’s tax return.
I believe an auto policy would be considerd "specific injury insurance".
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