Can I be covered by my spouse’s medical insurance at another employer and choose the Purdue Choice Fund with HSA?
The answer in most cases is No. To be eligible for a Health Savings Account, an individual must be covered by a HSA-qualified Health Plan and must not be covered by other health insurance that is not defined by the IRS as a High Deductible Health Plan. If the other medical plan is an HSA-Qualified plan, you may have dual coverage under both plans. If you are covered by another medical plan that is not qualified for an HSA, you may enroll in a High Deductible Health Plan that is identical to the Purdue Choice Fund plan, but does not include a Health Savings Account and the associated Purdue Contributions.
Related Questions
- If both spouses have coverage through the Choice Fund plan, (or another employer’s HSA qualified medical plan) how much can each spouse contribute to their HSA?
- My spouse has health benefit coverage under her employer. Can I deduct the eligible expenses that are not covered by her plan under my PHSP?
- Can I be covered by my spouse’s medical insurance at another employer and choose the Purdue Choice Fund with HSA?
