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A high deductible health plan (HDHP) does not need to be in your name to qualify you for a health savings account (HSA). Just like with traditional health insurance, if your spouse is the subscriber to the HDHP and you are covered by the HDHP, you qualify to set up an HSA. You may make pre-tax deposits to and tax-free withdrawals from the HSA to pay for qualified medical expenses. However, if you can be claimed as a dependent on someone else's tax return, you do not qualify for an HSA.