To open or contribute to an HSA you must meet certain eligibility requirements. Specifically:

You must be covered by a qualified high deductible health plan on the first day of the month
You cannot be covered by any other health plan that is not a qualified high deductible health plan, including spouse’s health insurance
You cannot be covered [...]

At its core, Consumer Driven Health Care is about asking “Is there a less expensive way to reach the same treatment goal?” Here are three true examples: My brother, suffering from a respiratory infection asked his physician (who was suggesting more tests to confirm the diagnosis) how the treatment plan would differ based on the results [...]

The attractiveness of a High deductible Health Plan (HDHP) is dependent upon three factors:

The difference between the employee contribution to the premium of HDHP vs. the traditional plan being offered. The greater the difference, the more the employee has to put into their HSA.
The employer contribution to the HSA. If #1 above is sufficient, [...]

You may use your HSA for long term care premiums provided your policy meets certain requirements and you stay within the allowable premium expenditure limits.In order to spend money from your HSA on long-term care, your long-term care insurance contract must:

Be guaranteed renewable;
Not provide for a cash surrender value or other money that can be [...]

You may have any person as your beneficiary. If you designate your spouse as your HSA beneficiary, the account will be transferred to your spouse’s name with all tax benefits intact. If you designate your HSA to a non-spouse beneficiary, the HSA funds will be liquidated and the beneficiary will be responsible for [...]