My spouse has a health policy through his/her employer, am I eligible? If your spouse has an individual policy and no other insurance and you are otherwise qualified (see above), you are eligible to have an HSA. However, if your spouse participates in an FSA you would not be eligible for an HSA. The reason for this is you are not eligible for an HSA if you are covered by “other insurance”.
Even though you are not covered by your spouse’s health insurance, the IRS has determined that your spouse’s FSA is considered “other insurance” that makes you ineligible for an HSA. An exception to this rule exists for limited purpose FSAs (those that cover vision and dental expenses only) and you would be eligible for an HSA if your spouse had a limited purpose FSA.
娃跟着我保险，是hsa, 不能存fsa, high deductible。 老公在他公司自己的medical insurance. 娃用的医疗费用比较高，在deducttible下都是自付，可以把娃和我自付的这部分用老公的fsa吗？
是的，是另一种fsa, 只能走牙齿眼睛。这个娃和我用我自己的都可以，问题是我们主要是medical花销，所以才来问能不能做老公的fsa, 我记得是一个household都可以互相用fsa, 即使不同的保险公司。上来确认下。
Every company's plan is different
你和小孩可以用你老公的fsa，你老公也可以用你的hsa，可google。
https://www.wageworks.com/takecare-myhsa/health-savings-account-faqs/
My spouse has a health policy through his/her employer, am I eligible?
If your spouse has an individual policy and no other insurance and you are otherwise qualified (see above), you are eligible to have an HSA. However, if your spouse participates in an FSA you would not be eligible for an HSA. The reason for this is you are not eligible for an HSA if you are covered by “other insurance”.
Even though you are not covered by your spouse’s health insurance, the IRS has determined that your spouse’s FSA is considered “other insurance” that makes you ineligible for an HSA. An exception to this rule exists for limited purpose FSAs (those that cover vision and dental expenses only) and you would be eligible for an HSA if your spouse had a limited purpose FSA.
如果你老公有fsa 你就不能存hsa