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Can a Cooper employee open an HSA if his spouse, who has insurance coverage through her employer, does not have access to an HSA?

April 26, 2017COOPER employee employer HSA insurance coverage spouse

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Can a Cooper employee open an HSA if his spouse, who has insurance coverage through her employer, does not have access to an HSA?

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A. No. An employee may enroll in the Consumer Choice (which is a high deductible health plan – HDHP) and his spouse may enroll in a non-HDHP at her employer. However, the employee cannot cover the spouse on his plan and vice verse and be eligible for the HSA.