Can I have basic insurance and open an HSA? And do I need to wait for open enrollment to open an HSA? And the limit is 6000 correct?

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Posting as :
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You need to be covered under a qualified high deductible plan. The limit is around 3500 for single and little over 7k for family

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*$3.6K single, $7.2K family

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Assuming you're still at deloitte, the most basic plan doesn't come with Deloitte's $500 contribution, although you can still open HSA. The premium savings is slightly greater than $500 though for basic vs next HDHP, so up to you. You can open Deloitte's HSA (bank of America) during open enrollment, but I guess you can open one by yourself temporarily for now, with no pretax payroll savings.

Social security and Medicare taxes

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