Can a spouse or dependent have any other insurance other than another qualified HDHP without causing the account holder to be ineligible to contribute to an HSA?
A spouse or dependent can have other types of insurance coverage without making the individual ineligible to contribute to an HSA. For example, if one spouse has self-only HDHP coverage and the other spouse and dependent children are covered under an HMO, the first spouse could establish an HSA and use it to pay for HMO-related out-of-pocket expenses for the other spouse and kids. However, if the first spouse has “family HDHP coverage”, at least one other person in the family could not have other coverage except HDHP coverage, otherwise it would not be family (spouse + 1) coverage.
Related Questions
- Can a spouse or dependent have any other insurance other than another qualified HDHP without causing the account holder to be ineligible to contribute to an HSA?
- If a person is ineligible for Title XVI (SSI) due to a spouses income, can that income be used as income to contribute to a PASS?
- What happens when my spouse/partner has a Dependent Care Expense Account (DCEA) plan?
