It depends. If your spouse has an individual health insurance policy with no other insurance, and you are enrolled in a high-deductible health plan, then yes, you are eligible to participate in an HSA. But if your spouse participates in a Healthcare FSA or HRA, and those benefits cover your healthcare expenses too, then no, you are not eligible to participate an HSA. Why? Even though you are not covered by your spouse’s health insurance, the IRS considers your spouse’s Healthcare FSA or HRA to be “other insurance.” An exception would be if your spouse has an HSA-Compatible FSAs or what’s sometimes referred to as a “limited-purpose” HRA that covers vision and dental care expenses only. If your spouse participates in either an HSA-Compatible FSA or a limited-purpose HRA, then yes, you may participate in an HSA.
You cannot have an HSA account if your spouse has a general purpose health care FSA through his/her employer under which money can be reimbursed for your eligible health care expenses. However, if your spouse is enrolled in a limited purpose FSA (limited to qualifying dental and vision expenses) you are eligible to contribute to an HSA.
Generally, no. As long as your spouse’s non-HDHP does not cover you, you remain an eligible individual and can participate in an HSA. If your spouse had a family non-HDHP and you were not exempted from that coverage then you would not be an eligible individual and would not be able to participate in an HSA. However, if, for example, your spouse had a family non-HDHP to cover himself and your two children only, then you would still be eligible to open an HSA.
Generally, no. As long as your spouse’s non-HDHP does not cover you, you remain an eligible individual and can participate in an HSA. If your spouse had a family non-HDHP and you were not exempted from that coverage then you would not be an eligible individual and would not be able to participate in an HSA. However, if, for example, your spouse had a family non-HDHP to cover himself and your two children only, then you would still be eligible to open an HSA. freelele 发表于 2021-08-29 03:38
--------------------------------------------------- 我们是分开的保险，之前都交了fsa。
最近我换工作，想换成HSA plan。
夫妻是否不能同时有HSA和FSA，即使是分别用自己employer的保险？
法律规定不行 违规一次罚款会年年累计 等政府以后找上你的时候就是天文数字了
但有人这么弄也没事 大概政府还没工夫来管这种事
不过有人抢银行也没事
不可以，除非是hsa+limited fsa. 为了这几块钱留着irs罚你的后患完全不值得
But if your spouse participates in a Healthcare FSA or HRA, and those benefits cover your healthcare expenses too, then no, you are not eligible to participate an HSA. Why? Even though you are not covered by your spouse’s health insurance, the IRS considers your spouse’s Healthcare FSA or HRA to be “other insurance.”
An exception would be if your spouse has an HSA-Compatible FSAs or what’s sometimes referred to as a “limited-purpose” HRA that covers vision and dental care expenses only. If your spouse participates in either an HSA-Compatible FSA or a limited-purpose HRA, then yes, you may participate in an HSA.
If your spouse had a family non-HDHP and you were not exempted from that coverage then you would not be an eligible individual and would not be able to participate in an HSA. However, if, for example, your spouse had a family non-HDHP to cover himself and your two children only, then you would still be eligible to open an HSA.
这跟退出保险没联系。 就算退出了保险 也是不可以HSA 加 FSA的。
如果你想修的话 可以联系你的HSA 管理公司填表withdraw excess contribution
你这个和上面那条不一样呀
不行。除非fsa是limited purpose 的fsa
你可以不往hsa里面放钱啊
因为我自己以前也是fsa，但是网上说换工作可能从fsa换到hsa。
那我lg能退出fsa吗？
可以退hsa
fsa不能退
我这个新保险生效于月初，我当月月中就离职了，但是离职之前刚好有一张paycheck，这张paycheck扣了钱存到我的HSA里了，公司match的钱也放进去了，其实也没多少钱，我愿意不要这些钱，但是问题是现在要找谁fix这个问题呢？
14楼已经回复你了
谢谢，我是准备联系HSA的管理公司，我有点儿疑惑的是这个“excess contribution”. Anyways 里面的钱我一分也没动过，先联系Health Equity看看再说吧。