HiJennifer, you can only open and fund an HSA if you have a qualifying high-deductible health plan. For healthshare members, we recommend the HSA MEC. This is an inexpensive preventive plan that covers all of the ACA-required preventive care, with $0 out-of-pocket costs. It is also HSA-qualified, so you can open an HSA and make tax-decductible contributions. See more info here – https://HSAforAmerica.com/hsa-mec/