{ "media_type": "text", "post_content": "HSA question - does it make sense for my spouse and I to be on different health plans so at least one of us can be on HDHP and get the HSA built up for down the road? Due to health reasons it doesn’t make sense for my spouse/both of us to be on HDHP.", "post_id": "5f9a1cfe982a680020232328", "reply_count": 2, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

HSA question - does it make sense for my spouse and I to be on different health plans so at least one of us can be on HDHP and get the HSA built up for down the road? Due to health reasons it doesn’t make sense for my spouse/both of us to be on HDHP.

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You are ineligible for an HSA if you are covered under any non-HDHP. In your scenario, only you will be eligible to contribute to an HSA (up to $3,600) because you are only covered by HDHPs. Your spouse, who is covered by a non-HDHP, is ineligible.

As long as being on two diff plans isn’t cost prohibitive

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