Incorrect. As I stated, if you have an HSA, you can withdraw from it for qualified medical expenses (pretty much follows the same rules as for medical tax deductions) of yourself, your spouse, or your dependents. HDHP participation is only required to establish and deposit into the HSA. After you turn 65, you can make taxable withdrawals for non-medical expenses.If her plan is a high deductible plan, she can. If she has any other kind of a plan, she cannot.