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 [...]

Individuals and Health Savings Accounts
The benefits of investing in a Health Savings Account have become apparent over time. More and more people are moving towards HSA plans for the advantages they offer account holders:

Tax Deductible Contributions
May be eligible to claim contributions on Federal Tax Returns (even if you don’t itemize)
Interest and Other Earnings on Health [...]