Typically, you can't pay for premiums with your HSA but there are four exceptions to this rule.
The accountholder can pay health insurance premiums from the HSA if the accountholder is:
- Receiving federal or state unemployment benefits.
- Has health insurance that is continuing coverage under COBRA.
- Paying for coverage for a IRS-qualified long-term care plan (See IRS Publication 502).
- Paying for Medicare premiums once the accountholder is age 65 or older.
Source: "Publication 969 (2018), Health Savings Accounts and Other Tax-Favored Health Plans.”