Health Savings Account; Health Reimbursement Account

[John Franczyk]

I run my real estate investment business through my own S-corporation. I get health insurance coverage from my spouse's employment. I'm not looking for legal advice on how to set things up or the limits on anything. 

What I am asking is whether I can set up a health savings or health reimbursement account through my S-corporation if I don't buy my own insurance through my corporation. I'm looking for a way to cover medical expenses, such as deductibles, that my family still incurs with my spouse's employer-sponsored plan. We currently have an HSA through my spouse, since we're on a high-deductible plan, but we're considering switching to a lower-deductible plan that doesn't allow her to have an HSA.