What’s an example of how I can use my HSA to pay for a dependent’s health care even if I’m no longer covered by a qualifying high deductible health plan?

Say you accumulated $5,000 in an HSA, but now you are not eligible to contribute to one. Say, too, that you are married and your spouse has a big, unreimbursed medical expense. You could withdraw money from your HSA tax-free to pay your spouse’s eligible medical expenses that aren’t reimbursed by a health plan. You could also do this for any tax dependent at any time, regardless of whether the person is enrolled in a high deductible plan.