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.
回复 5楼mingrimingyue的帖子 请看这里： https://www.ebcflex.com/Education/ComplianceBuzz/tabid/1140/ArticleID/691/Your-Spouse%E2%80%99s-Health-Care-FSA%E2%80%99s-Impact-on-HSA-Eligibility.aspx 里面有这两段： A spouse’s health care FSA functions the same was as if an employee had the account themselves. All Health Care FSAs can be used for either the participant, their spouse, or their eligible dependents, which includes adult children through the end of the tax year if they are 26. Because a standard HCFSA can always be used for a spouse’s or dependents expense, this makes an FSA in either spouse’s name HSA disqualifying coverage for both individuals and their dependents within a marriage. In cases where the spouse’s health care FSA is exhausted, and in cases where the spouse’s health care FSA will be used exclusively by the spouse – these FSAs remain disqualifying coverage for the employee because the possibility of reimbursement for the spouse and dependents exists by plan definition. 我理解这个意思是，你配偶的FSA，哪怕是你不用，还是可以给你用的，税法上是全家人都可以用的，不管你用不用。 至少我们公司一直是这么说的。
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. acer 发表于 2020-10-20 18:06
这个配偶FSA当成 other coverage 在我贴的irs 的qualification里面没有写啊。
回复 5楼mingrimingyue的帖子 请看这里： https://www.ebcflex.com/Education/ComplianceBuzz/tabid/1140/ArticleID/691/Your-Spouse%E2%80%99s-Health-Care-FSA%E2%80%99s-Impact-on-HSA-Eligibility.aspx 里面有这两段： A spouse’s health care FSA functions the same was as if an employee had the account themselves. All Health Care FSAs can be used for either the participant, their spouse, or their eligible dependents, which includes adult children through the end of the tax year if they are 26. Because a standard HCFSA can always be used for a spouse’s or dependents expense, this makes an FSA in either spouse’s name HSA disqualifying coverage for both individuals and their dependents within a marriage. In cases where the spouse’s health care FSA is exhausted, and in cases where the spouse’s health care FSA will be used exclusively by the spouse – these FSAs remain disqualifying coverage for the employee because the possibility of reimbursement for the spouse and dependents exists by plan definition. 我理解这个意思是，你配偶的FSA，哪怕是你不用，还是可以给你用的，税法上是全家人都可以用的，不管你用不用。 至少我们公司一直是这么说的。 westlake 发表于 2020-10-20 18:07
我们公司明确表示不可以。参见这篇文章 https://www.hsaedge.com/2017/08/17/can-spouses-have-both-an-hsa-and-fsa/。看下面的第二段，some types of FSA is compatible with HSA, but they are uncommon. “Unfortunately, the IRS has deemed that FSA coverage extends tax benefits to family members as well. This is because an FSA holder can deduct medical expenses that occur for themselves, their spouse, and their dependents. This also applies inversely for HSA’s since they can deduct expenses for their family. This combination of two tax advantaged programs is a no-no as it violates the “No Other Health Coverage” clause of the HSA. (see Qualifying for an HSA). Do note that there are some types of Flexible Spending Accounts that are compatible with HSA’s, such as Limited Purpose FSA’s and Post Deductible FSA’s. However, these are not as common as your regular FSA’s and they must be explicitly stated as such. Thus, it is up to the family to choose the HSA or FSA to avoid double coverage. You cannot have both. In making a decision, see this article regarding Choosing between an HSA and FSA.”
应该可以，只要不超上限。参看下面的几个scenarios, 如果家里有孩子。 总而言之，两个人加起来不能超过$7100 Each spouse selects an HDHP with individual coverage, then they each will have a single HSA contribution limit of $3,550 for 2020. Each spouse selects an HDHP and each insures one child, each of their coverage is considered family coverage, then combined the couple cannot exceed the family – HSA contribution limit, $7,100 for 2020. Each spouse selects an HDHP and one is insured as an individual and the other one selects family coverage to include the child(ren), then both will share the family – HSA contribution limit which is $7,100 for 2020.
我们公司明确表示不可以。参见这篇文章 https://www.hsaedge.com/2017/08/17/can-spouses-have-both-an-hsa-and-fsa/。看下面的第二段，some types of FSA is compatible with HSA, but they are uncommon. “Unfortunately, the IRS has deemed that FSA coverage extends tax benefits to family members as well. This is because an FSA holder can deduct medical expenses that occur for themselves, their spouse, and their dependents. This also applies inversely for HSA’s since they can deduct expenses for their family. This combination of two tax advantaged programs is a no-no as it violates the “No Other Health Coverage” clause of the HSA. (see Qualifying for an HSA). Do note that there are some types of Flexible Spending Accounts that are compatible with HSA’s, such as Limited Purpose FSA’s and Post Deductible FSA’s. However, these are not as common as your regular FSA’s and they must be explicitly stated as such. Thus, it is up to the family to choose the HSA or FSA to avoid double coverage. You cannot have both. In making a decision, see this article regarding Choosing between an HSA and FSA.”
是不是qualify to make HSA contribution的最重要一条就是HDHP之外不要有coverage可以cover你的deductible. 你只要想想，你付deductible的时候除了HSA有没有别的途径报销，如果有，譬如楼主老公的FSA，那就不qualify to make HSA contribution
为啥公司说如果spouse contributs to a healthcare flexible spending account, 我就不能contribute to HSA. 我咋记得不是这样呢？
没看懂。这些account都有上限。两人加起来不到上限就行。我们懒也没试过两人都买。免得报销还得走两个帐号。
我们就是一个medical FSA另一个HSA的。
关键是我查了irs 条例 并没有说配偶有FSA我就不能有HSA啊
https://www.wageworks.com/takecare-myhsa/health-savings-account-faqs/
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.
请看这里： https://www.ebcflex.com/Education/ComplianceBuzz/tabid/1140/ArticleID/691/Your-Spouse%E2%80%99s-Health-Care-FSA%E2%80%99s-Impact-on-HSA-Eligibility.aspx
里面有这两段：
A spouse’s health care FSA functions the same was as if an employee had the account themselves. All Health Care FSAs can be used for either the participant, their spouse, or their eligible dependents, which includes adult children through the end of the tax year if they are 26. Because a standard HCFSA can always be used for a spouse’s or dependents expense, this makes an FSA in either spouse’s name HSA disqualifying coverage for both individuals and their dependents within a marriage.
In cases where the spouse’s health care FSA is exhausted, and in cases where the spouse’s health care FSA will be used exclusively by the spouse – these FSAs remain disqualifying coverage for the employee because the possibility of reimbursement for the spouse and dependents exists by plan definition.
我理解这个意思是，你配偶的FSA，哪怕是你不用，还是可以给你用的，税法上是全家人都可以用的，不管你用不用。
至少我们公司一直是这么说的。
这个配偶FSA当成 other coverage 在我贴的irs 的qualification里面没有写啊。
楼主的保险和楼主队友的保险不是在一个employer下的，不是说夫妻俩都在同一个保险里，所有fsa和hsa没有关系啊，如果楼主队友不是participant,怎么从樓主的fsa账户里拿钱呢
但是 irs的那个hsa正式文件里的的 qualification里并没有说这种情况不允许啊
https://www.ebcflex.com/Education/ComplianceBuzz/tabid/1140/ArticleID/691/Your-Spouse%E2%80%99s-Health-Care-FSA%E2%80%99s-Impact-on-HSA-Eligibility.aspx#:~:text=Because%20a%20standard%20HCFSA%20can,their%20dependents%20within%20a%20marriage.&text=This%20can%20be%20complicated%20more,on%20a%20different%20plan%20year.
“Unfortunately, the IRS has deemed that FSA coverage extends tax benefits to family members as well. This is because an FSA holder can deduct medical expenses that occur for themselves, their spouse, and their dependents. This also applies inversely for HSA’s since they can deduct expenses for their family. This combination of two tax advantaged programs is a no-no as it violates the “No Other Health Coverage” clause of the HSA. (see Qualifying for an HSA). Do note that there are some types of Flexible Spending Accounts that are compatible with HSA’s, such as Limited Purpose FSA’s and Post Deductible FSA’s. However, these are not as common as your regular FSA’s and they must be explicitly stated as such. Thus, it is up to the family to choose the HSA or FSA to avoid double coverage. You cannot have both. In making a decision, see this article regarding Choosing between an HSA and FSA.”
hsa的钱不想动 因为可以一直滚雪球
谢谢！再问一句，滚雪球的意思是hsa的钱留到以后养老的时候用？hsa不能投资买基金，是吧？
HSA 可以买基金。
应该可以，只要不超上限。参看下面的几个scenarios, 如果家里有孩子。 总而言之，两个人加起来不能超过$7100
Each spouse selects an HDHP with individual coverage, then they each will have a single HSA contribution limit of $3,550 for 2020. Each spouse selects an HDHP and each insures one child, each of their coverage is considered family coverage, then combined the couple cannot exceed the family – HSA contribution limit, $7,100 for 2020. Each spouse selects an HDHP and one is insured as an individual and the other one selects family coverage to include the child(ren), then both will share the family – HSA contribution limit which is $7,100 for 2020.
hsa的钱是可以投资的
那是因为other coverage的各种形式太多，你贴的irs 的qualification里面没有逐一列举。其它文件里有详细解释。
https://www.treasury.gov/press-center/press-releases/Pages/js1548.aspx
https://www.treasury.gov/press-center/press-releases/Documents/rev_rul200445.pdf
”In Situation 1, the individual is covered by an HDHP and by a health FSA ... ... As a result, the individual is not an eligible individual for the purpose of making contributions to an HSA. This result is the same if the individual is covered by a health FSA or HRA sponsored by the employer of the individual’s spouse."
我们公司也明确注明不可以。
可以投资的啊
原来如此。谢谢！
明白了，谢谢！
HSA如果用来报销医疗费，是不需要交税的，不管是本金还是收益。 如果不用来报销医疗费，65岁以后可以当401k使用，取出来钱随便花，要交那个时候的税，也是不管本金还是收益。 如果要65岁之前取出来，就有税有罚款。还是本金和收益都一样。