Typically, you can't pay for premiums with your HSA. You likely fall into this category, but there are four exceptions to this rule.

The account holder can only pay health insurance premiums from their health savings account if the account holder is paying for:

1. Coverage of long-term care insurance (See IRS Publication 502).

2. Healthcare continuation coverage (such as coverage

under COBRA).

3. Healthcare coverage while receiving unemployment

compensation under federal or state law.

4. Medicare and other health care coverage if you were 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap).

Source: Publication 969 (2023), Health Savings Accounts and Other Tax-Favored Health Plans.