HSA without a HDHP [USA]

Question

I had an HSA with an HDHP with a former employeer. I left that company and now have a traditional health insurance plan.

Should I continue to contribute to my old HSA account? Are there any tax consequences of using the money in that account toward current medical expenses? Should I add my new spouse to the plan?

Answer 1

You should not continue contributing, as you're no longer qualified for it. You can keep it, and use the money in it toward the current medical expenses, without a problem. There are specific examples in pub 969.