Guest MissChele Posted October 25, 2007 Share Posted October 25, 2007 Here are two questions I have had in the last few days about FSAs and HSAs. We do FSAs (including limited) but I'm pretty much clueless on HSAs... 1)"My wife just got a new job with excellent benefits that will begin on December first. If we decide to go with her health benefits and discontinue my health coverage how would that work since I am on the new insurance this year? If you could let me know so we can decide which route to go I would appreciate it." (He now has a HDHP with an HSA) I would say that he can change because of the change in status. 2)I'm going to be opening a HSA in January. My husband will have a Flex 125. We both have single policies with our employers. He has PPO and I will have a HDHP. Is this okay for me to have an HSA and him have 125? I know that he can't get reimbursement from my HSA and I can't get reimbursements from his 125. I would say no to this. She would still be eligible to participate on the flex - even if she spit shakes and pinky swears not to. Am I going in the right direction on these?? MissChele Link to comment Share on other sites More sharing options...
leevena Posted October 25, 2007 Share Posted October 25, 2007 Question #1 is confusing to me. If he has an HSA and wants to go to another non-HSA plan, he will freeze his HSA account. Is this the answer you were looking for? I don't understand your comment about it being ok because of a change in Status. Are you talking about the FSA plan? Question #2 is also a little confusing. You can have a HSA and a Section 125 plan. Are you asking about a specific piece of the 125 plan, say the unreimbursed medical? FSA's can be a limited purpose or post deductible only. Hope this answers your questions. Link to comment Share on other sites More sharing options...
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