amsgh_bene

Thanks! If my spouse does not enroll or contribute to her FSA(s) can i contribute up to the HSA 8550 MAX even though i have self-only coverage on my HDHP? I'm already past enrollment period now...

I have an HSA that comes with my Employer provided HDHP. This year i elected for self only coverage in my HDHP. The HSA max is 4300 in 2025. My spouse is electing self only coverage through her non-HDHP provider. If i understand correctly my spouse (we just got married in Sep 2024) who is eligible for FEDS-FSA through her federal government job enrolls into FSA this will make my HSA contributions disqualified/disallowed? If that is the case can i contribute up to the HSA max of 8550 instead? I've already completed my enrollment with self-only coverage and she is not associated to any of my insurance(s). If #1 is not possible. Can she enroll in a Limited Expense Health Care FSA? Regardless of the above answers am i allowed to use HSA funds for my personal expenses with contributions I've made before getting married? If Brian answers this i give an advanced thank you! The info he provides is immense in this community.