From: "Mark Freeland" 
Newsgroups: misc.invest.financial-plan
Subject: Re: debt free, maxed 401k, maxed IRA
Date: Tue, 28 Aug 2007 19:08:32 -0500
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"jIM"  wrote in message 
news:1177419706.856117.187860@s33g2000prh.googlegroups.com...
> YES.  To have an HSA you must have a high deducable health plan
> (HDHP).  Definitions have changed slightly over the years, look at a
> site like this for reference, or check this group's posts for HSA's.
>
> http://www.opm.gov/hsa/

The other key part of the requirement is that the HDHP be your _only_ 
(medical) plan.  You can't have a non-HDHP employer plan and HDHP individual 
plan and expect to qualify for an HSA.  I think you could opt out of your 
employer plan and pay for your own HDHP, but I can't see that as being 
cost-effective.
http://www.ustreas.gov/offices/public-affairs/hsa/faq_eligibility.shtml

Mark Freeland
BnetOnewsX@sbcglobal.net