The requirements for having an HSA account is first you must be under the coverage of an HSA qualified HDHP (high deductible health plan).  You must have no other insurance that is not considered to be a “first-dollar” medical insurance (that only covers specific injury insurance, accident insurance, disability insurance, dental care, vision care, or long term care). Moreover, you must not be under Medicare coverage.  In addition to this you must not be a dependent on someone else's ta return. Based on these conditions, she is not eligible for a secondary health insurance unless it is a “first-dollar” medical insurance.  However, this cost more compared to just having one HSA qualified plan with an HSA account. Answer by admin — May 25, 2009 @ 10:00 am