Hello and thank you for using Just Answer,You can have a transfer from the IRA directly to the HSA . You are not allowed to move the funds directly from a 401K to an HSA. You can use the IRA plan you already have.You are only allowed to do this once in a lifetime. There is an exception and that is changing from single to family or family to single.A qualified HSA funding distribution may be made from a traditional IRA or a Roth IRA, but not from an ongoing SIMPLE IRA or a SEP IRA. A SEP or a SIMPLE is considered ongoing if an employer contribution is made for the plan year ending with or within the IRA owner's taxable year in which the qualified HSA funding distribution would be made. You cannot move money directly from a 401(k) into an HSA; however, you may be able to move the money from a 401k to an IRA and then to an HSA.