When looking at the CDHP and the HSA, it is best to consult a tax professional regarding your personal finances and the impact on your federal income taxes. Admin September 04, 2019 15:52 Updated Two publications for reference: IRS Publication 969 https://www.irs.gov/pub/irs-pdf/p969.pdf IRS Publication 502 https://www.irs.gov/pub/irs-pdf/p502.pdf Related articles If I have an HSA this year and switch to an FSA next year will I still have access to any remaining funds in my HSA account from the previous enrollment? Do all plan members have the same health insurance choices? If my spouse has insurance, can I use my HSA account for his/her expenses? What happens to my HSA when I die? Are there fees associated with a HSA?