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You can have a prescription drug plan, either as part of your HDHP or a separate plan (or rider), and qualify as an eligible individual if the plan doesn’t provide benefits until the minimum annual deductible of the HDHP has been met.

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Family members or any other person also may make contributions on behalf of an eligible individual. For 2018, if you have self-only HDHP coverage, you can contribute up to ,450.

No permission or authorization from the IRS is necessary to establish an HSA. A qualified HSA trustee can be a bank, an insurance company, or anyone already approved by the IRS to be a trustee of individual retirement arrangements (IRAs) or Archer MSAs.

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