Can I fund an HSA even if my current job offers health insurance.

[Doaner19]

I have good health insurance now, but don't want to work more than another 5 years. 

I'd still have 18 years till eligible for medicare. My biggest concern is health insurance, so I'm wondering if I can start to fund an HSA now to use for down the road?

Thanks.

[Beric01]

You need to be enrolled in a qualified HDP (high-deductible plan). This may or may not be offered at your company (my company offers one).

Qualifying for an HSA

To be an eligible individual and qualify for an HSA, you must meet the following requirements.

    You must be covered under a high deductible health plan (HDHP), described later, on the first day of the month.

    You have no other health coverage except what is permitted under Other health coverage , later.

    You are not enrolled in Medicare.

    You cannot be claimed as a dependent on someone else's 2013 tax return.

If you can enroll in an HSA, then definitely do so. Mad Fientist calls it the Ultimate Retirement Account.