Actually, you can use an HSA to pay insurance premiums. You can't use it to pay premiums paid pre-tax, like employer-sponsored plans, or for which you will claim a credit or deduction. So, as long as you are not going to itemize deductions and claim insurance costs, you are OK. So many websites say dangerous things like "generally speaking, you can't deduct..." because they assume that, generally speaking, someone reading it has employer-sponsored healthcare. Of course, on this forum that is hardly the expectation.
From
IRS Pub 502:
"Insurance Premiums
You can include in medical expenses insurance premiums you pay for policies that cover medical care. You can't include in medical expenses insurance premiums that were paid and for which you are claiming a credit or deduction.
Medical care policies can provide payment for treatment that includes:
• Hospitalization, surgical services, X-rays;
• Prescription drugs and insulin;
• Dental care;
• Replacement of lost or damaged contact lenses; and
• Long-term care (subject to additional limitations). See Qualified Long-Term Care Insurance Contracts under Long-Term Care, later.
If you have a policy that provides payments for other than medical care, you can include the premiums for the medical care part of the policy if the charge for the medical part is reasonable. The cost of the medical part must be separately stated in the insurance contract or given to you in a separate statement.
Employer-Sponsored Health Insurance Plan
Don't include in your medical and dental expenses any insurance premiums paid by an employer-sponsored health insurance plan unless the premiums are included on your Form W-2, Wage and Tax Statement. Also, don't include any other medical and dental expenses paid by the plan unless the amount paid is included on your Form W-2."
I used to have one of these dental plans, and I think this is why they are careful to disclaim they aren't insurance. You should be fine.
