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Who qualifies to have an Archer MSA?

Archer MSAs were designed to help self-employed business owners and employees of certain small businesses to save for future medical expenses.

That said, after 2007, you cannot be treated as an eligible individual for an Archer MSA unless:

  1. You were an active participant in one before 2008; or
  2. You became an active participant after 2007 through an employer that still offered an Archer MSA.

To qualify for an Archer MSA, you must be at least one of the following:

  • An employee (or the spouse of an employee) of a small employer that maintains a self-only or family HDHP for you (or your spouse).
  • A self-employed person (or the spouse of a self-employed person) who maintains a self-only or family HDHP.
  • You must not be enrolled in Medicare and can't be claimed as a dependent on someone else's 2017 tax return.
  • You must be an eligible individual on the first day of a month to take an Archer MSA deduction for that month.

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