---
title: ABCs of LTCI using HSAs
description: The ABCs of long-term care insurance using HSAs.
image: https://www.ltcipartners.com/hubfs/Health_Savings_Account.jpg
---

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[Jun 3, 2026

### 6 Tax-Smart Strategies to Fund a Long-Term Care Insurance Policy

](https://www.ltcipartners.com/blog/6-tax-smart-strategies-to-fund-a-long-term-care-insurance-policy)

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May 14, 2015 • [Steve Cain, CLTC®, Director Sales & Business Development Leader](https://www.ltcipartners.com/blog/author/steve-cain-cltc-director-sales-business-development-leade)

## ABCs of LTCI using HSAs

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![Health_Savings_Account](https://www.ltcipartners.com/hs-fs/hubfs/Health_Savings_Account.jpg?width=490&name=Health_Savings_Account.jpg)

Image source: Flickr user 401(k) 2012

ABC = c’mon, it’s the alphabet!

LTCI = Long-Term Care Insurance

HSA = Health Savings Account

According to AHIP Health Savings Account Census, over 17.4 million Americans are covered by HSA eligible insurance plans.  If you have clients that own a HSA or are eligible for one, they may be able to use pre-tax dollars to pay for all or some of their LTC Insurance.  Check out [this Genworth piece to learn more](https://www.ltcipartners.com/downloadfiles/Paying_for_LTCI_with_an_HSA.pdf) and ask your clients who are W2 employees if they have one…it’s a great way to reduce the net cost of the coverage.

IRS Notice 2004-50, Q and A 41 (HSAs) – tax-qualified LTCI premiums are a qualified medical expense. As a result, an individual may withdraw money tax-free from their HSA to pay tax-qualified LTCI premiums. Additional Details -[http://www.irs.gov/publications/p502/ar02.html#en_US_2013_publink1000178974](http://www.irs.gov/publications/p502/ar02.html#en_US_2013_publink1000178974)

![Steve Cain, CLTC®, Director Sales & Business Development Leader](https://www.ltcipartners.com/hubfs/2020%20Characature%20(Steve%20Cain)%20%232.png)

## Written by [Steve Cain, CLTC®, Director Sales & Business Development Leader](https://www.ltcipartners.com/blog/author/steve-cain-cltc-director-sales-business-development-leade)

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