You typically can't use your HSA funds to pay for health insurance premiums, but there are four exceptions.
Four exceptions to the rule
You can pay health insurance premiums from your HSA if you're paying for:
Long-term care insurance (see IRS Publication 502 for coverage limits, which are based on age and adjusted annually)
Health care continuation coverage, such as COBRA
Health care coverage while receiving unemployment compensation under federal or state law
Medicare and other health care coverage, if you're 65 or older (other than a Medicare supplemental policy, such as Medigap)
It's your age that counts
The Medicare exception applies based on your own age, not your spouse's or dependents'. If you're under 65, Medicare premiums for a spouse or dependent who is 65+ generally don't qualify either.
Source: IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans