Guest noob_for_life Posted December 24, 2014 Share Posted December 24, 2014 For 2014, my wife and kids were able to be on a health plan not compliant with the ACA (which saved us a lot of money). I was on a separate, ACA-compliant plan. Both plans were HSA compliant. Starting in 2015, we will all be on the same plan again. Previously, we were all on the same plan and we had an HSA in my name. The question is: In order to be able to make the full family contribution for 2014, must we open a separate HSA for my wife? Am I limited to the individual contribution? We will file together. We are a family. We just have this one flaky year. Thanks! Gary Link to comment Share on other sites More sharing options...
Clarifying Health Posted January 17, 2015 Share Posted January 17, 2015 Hi Gary, The amount you can contribute to your HSA depends on the type of HDHP coverage you have, so you don't need to open an HSA account for your wife, but rather you would need to have an HSA-qualified plan that your family was also covered under. Does that make sense? Here are a couple resources I always go to: http://www.zanebenefits.com/blog/bid/289564/Health-Savings-Account-HSA-2014-Rules-Requirements http://www.irs.gov/pub/irs-pdf/p969.pdf Link to comment Share on other sites More sharing options...
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