Guest lazlo Posted July 17, 2014 Share Posted July 17, 2014 In 2013, I was covered under my spouses HMO through her employer, and I enrolled in an HDHP with an HSA through my employer. For 2014, my employer claimed that double coverage was not allowed under the ACA, and that I could only fund an FSA if covered by my spouses HMO. Others have told me that double coverage shouldn't prevent me from enrolling in an HDHP with HSA, especially since I have a pre-existing condition. Does anyone know if my employer is correct, or are they just creating their own rule? Link to comment Share on other sites More sharing options...
masteff Posted July 17, 2014 Share Posted July 17, 2014 1) It has nothing to do w/ ACA. It's been this way since HSAs started on January 1, 2004. 2) No, you do not qualify for an HSA if you are covered by an HMO. See page 3 of IRS Pub 969. You cannot have an HSA if you have health coverage other than an HDHP except what is discussed under "Other health coverage" on page 4. http://www.irs.gov/pub/irs-prior/p969--2013.pdf Kurt Vonnegut: 'To be is to do'-Socrates 'To do is to be'-Jean-Paul Sartre 'Do be do be do'-Frank Sinatra Link to comment Share on other sites More sharing options...
Guest lazlo Posted July 17, 2014 Share Posted July 17, 2014 Thank you. After doing some research, I realized that was the case. Link to comment Share on other sites More sharing options...
Chaz Posted July 18, 2014 Share Posted July 18, 2014 There is no prohibition on enrolling in an HDHP (which is just a type of health plan) at the same time as you are enrolled in an HMO. You are just ineligible to contribute to an HSA for months in which you are covered under the HMO. Link to comment Share on other sites More sharing options...
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