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broFenix OP t1_iufzeax wrote

Reply to comment by DeluxeXL in What is the 2023 HSA Contribution Limit for Spouse & Me Having Separate Individual HDHP Plans by broFenix

  1. My HDHP through my employer covers only me, one person.
  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.
  3. 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.
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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
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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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