No, the policy does not have to be in your name. As long as you have coverage under the HDHP policy and you do not have any other first-dollar medical coverage, you can be eligible to contribute to an HSA (assuming you meet the other eligibility requirements for contributing to an HSA). You can still be eligible to contribute to an HSA even if the health plan is in your spouse’s name.
Category:
Who Can Have an HSA?