Health Insurance Premiums through my pension

@MichaelS391685 

So what is the nature of this health insurance?

I assume that the premiums that are deducted from your pension covers the entire cost of the plan of coverage.  IOW, your employer is out of the picture and doesn’t cover any of the plan premiums.

What I mean by nature of the health plan is:

Is this coverage only interim like COBRA coverage?

Does it continue forever and works with Medicare when you are eligible, like Retiree Insurance?   OR

Does this plan end when you go onto Medicare, assuming premium-free Part A?

I am also assuming that there are no further contributions to the HSA since you no longer have HDHP.

IRS.gov- Publication 969 - Health Savings Account 

IRS Publication 969 covers the reimbursement elements from an HSA 

Go down to the subject of “Distributions from an HSA”

It says “ When you pay medical expenses during the year that aren’t reimbursed by your HDHP, you can ask the trustee of your HSA to send you a distribution from your HSA.“

Now you have to determine IF these health insurance premiums being deducted from your pension are deemed to be QUALIFIED medical expenses according to the IRS.

The Publication says:  

“You can receive tax-free distributions from your HSA to pay or be reimbursed for qualified medical expenses you incur after you establish the HSA. If you receive distributions for other reasons, the amount you withdraw will be subject to income tax and may be subject to an additional 20% tax. You don’t have to make withdrawals from your HSA each year.”

Insurance premiums.

You can’t treat insurance premiums as qualified medical expenses unless the premiums are for any of the following.