You generally CANNOT pay health insurance premiums from an HSA.
IRS Pub. 969
Exceptions: COBRA, premiums while receiving unemployment, qualified LTC insurance (limits), and Medicare (not Medigap) after 65.
Vault the receipt in Candor and reimburse yourself tax-free — this year or in 20 years. No deadline (IRS Notice 2004-50, Q&A 39).
Start your shoebox — freeInformational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-07-16, last verified July 2026.