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I’m Self-Employed. Can I Have an HSA?

Sole proprietors and others who are self-employed may have an HSA. Self-employed people are often ideal candidates for an HSA. HSAs are advantageous for the self-employed because:

- High-deductible health insurance plans generally have modest premium costs and may be an effective cost containment mechanism for the self-employed or insured
- The insured employer is protected against potentially catastrophic healthcare expenses
- The HSA may serve the dual purpose of providing for both medical and retirement expenses