There are no income limits that affect HSA eligibility. However, if you qualify for reduced cost sharing, you may not be eligible to make contributions to an HSA. So if you haven't finalized your purchase and would like to be eligible to make HSA contributions, you may purchase the HSA plan without the cost-sharing reductions in most states excluding California.
Also, if you do not file a federal income tax return, you may not receive all the tax benefits HSAs offer.
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