DeluxeXL t1_iufs6xk wrote
- Is your health plan a HDHP covering only one person (you)?
- Is your health plan a HDHP covering two or more people?
- Are you covered by any other non-HDHP medical plan or pretax spending accounts (e.g. FSA)? Keep in mind that a FSA often automatically covers spouse.
broFenix OP t1_iufzeax wrote
- My HDHP through my employer covers only me, one person.
- My HDHP through my employer has the option to cover two or more people, but my wife and I elected to choose the "Employee Only" version of the HDHP plan we signed up under, as it was cheaper for my wife to have her own HDHP through the Health Insurance Marketplace and for me to have a HDHP through my employer.
- No. Neither my wife or I are covered by a non-HDHP medical plan or pretax spending account. Neither of us have ever had an FSA.
DeluxeXL t1_iufzsoj wrote
Based on your answers, your HSA contribution limit is the self-only limit.
- True False False = self-only limit
- False True False = family limit
- Any Any True = $0 limit
vynm2 t1_iug3u98 wrote
>2. My HDHP through my employer has the option to cover two or more people, but my wife and I elected to choose the "Employee Only" version of the HDHP plan we signed up under, as it was cheaper for my wife to have her own HDHP through the Health Insurance Marketplace and for me to have a HDHP through my employer.
It's important to realize that your spouse is only eligible for ACA subsidies for Marketplace insurance, if your cost for your employer's plan to cover both of you was more than 9.5% of your family's AGI. https://www.cbpp.org/blog/more-families-will-spend-less-on-health-care-premiums-thanks-to-a-fix-for-the-family-glitch
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