To be an eligible individual and qualify for an HSA, you must meet the following requirements. You are covered under a high deductible health plan (HDHP), described later, on the first day of the month. You have no other health coverage except what is permitted under Other health coverage , later.
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Generous people are the ones who give more than is expected of them. It's generous of your friend to take the couch and let you sleep in the bed when you stay over at her place. She didn't have to do that. When you decide to go one step beyond what's expected of you, you're being generous.