To set up an HSA, you must be covered by a qualified high deductible plan, like the Hess Medical Plan. You are not eligible if you have other medical coverage (including a regular (not-limited purpose) Flexible Spending Account), such as through a spouse’s employer, TRICARE or Medicare, that does not qualify as a high deductible plan. You also are not eligible to set up an HSA if you are eligible to be claimed as a dependent on anyone else’s tax return.