You'll need money to deposit into your savings account. If you don't have money to deposit, then you won't benefit from a HSA. Find an HSA plan on your own or through your employer. Your employer may have HSAs available during the open enrollment period. If you are an individual, you can apply at any time.Open an HSA once your qualifying insurance is in place.HSAs can be opened with any qualified trustee or custodian.ou'll need money to deposit into your savings account. If you don't have money to deposit, then you won't benefit from a HSA. Find an HSA plan on your own or through your employer. Your employer may have HSAs available during the open enrollment period. If you are an individual, you can apply at any time.