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ghalta t1_je57o7a wrote

You can only have a personal HSA if your only coverage is HDHP. So, as other replies already state, you need to drop the other insurance if you want to get the HSA.

If you do this, though, other people in your immediately family are able to use your HSA dollars for their healthcare expenses, even if they are covered by regular plans. HSA eligibility with regard to your health care plan is about putting money in, not taking it out. See the second-from-last footnote on this handy chart.
https://www.chard-snyder.com/uploads/miscellaneous/FSA-HSA_Contribution_Rules_v8.21.pdf

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DeluxeXL t1_je59bam wrote

> other people in your immediately family are able to use your HSA dollars for their healthcare expenses

Only if they are your spouse or dependents.

Who you can spend HSA on does not depend on your/their insurance at all.

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ghalta t1_je5adu2 wrote

True, fair enough. I see that the government's definition of "immediate family" is different than mine, as theirs includes parents and in-laws and siblings that are definitely not eligible to use your HSA funds.

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