If you don’t have access to an employer-sponsored plan, Medicare, or Medicaid, you’ll be purchasing your coverage in the individual/family market.
Nearly everywhere in the country, HSA-qualified HDHPs are for sale in the exchange, and are also available for purchase directly from health insurers (but if you’re eligible for a subsidy, make sure you shop in the exchange; you’ll forfeit your subsidy if you buy your plan outside the exchange).
The open enrollment window health coverage runs from November 1 to January 15 in most states, although there are some states that have different deadlines. Outside of open enrollment, you’ll need a qualifying event in order to sign up for any major medical health plan, including HDHPs.
If you’re shopping for health coverage in the marketplace or on an insurer’s website, the HSA-qualified plans will have a label that clearly indicates that they can be paired with an HSA. In most cases, the name of the plan will have “HSA” in it. But exchanges and insurer websites also have filtering tools that will let you narrow down the plans to show only those that are HSA-compatible.
If your employer offers an HDHP, you can enroll in that option during your employer’s open enrollment period.