You can tap an HSA to pay the premiums for a long-term-care insurance policy, but the amount you can withdraw tax-free depends on your age
For 2019. the amount you can withdraw tax-free from your HSA depends on your age:
- Age 40 or younger: $420
- 41 to 50: $790
- 51 to 60: $1,580
- 61 to 70: $4,220
- 71 or older: $5,270
If you and your spouse both have long-term care policies, you can each use money tax-free from your HSA to pay premiums, up to the aged-based maximum for each of you (based on your ages by the end of the year). These limits increase slightly each year for inflation.