coolaks

Hello Brian, I have an HSA and my wife is planning to enroll into FSA. We have separate employers and separate insurances. Neither of us are covered under any part of other's insurance. Totally independent. 1. Will this make me ineligible for HSA even if we don't plan on using any FSA distributions for my expenses? We will strictly make sure FSA distributions are only used by my wife. 2. Does my wife being in a PPO plan also makes me ineligible for HSA assuming she denies FSA? I find it weird that both husband and wife can have their own HSA (if on HDHP) and have their own FSA (if both on PPO) but one HSA and one FSA is not allowed. "This is because an employee can reimburse pre-deductible expenses under the health FSA for both the employee and the spouse." Employee can also reimburse pre-deductible expenses under the "HSA" for both employee and the spouse then how is it allowed for both employee and spouse to have HSA (assuming both are in HDHP plans in their respective employers) or even both FSA? If the reasoning is as above, then no matter what only one HSA or one FSA per household should be allowed (except when it is a family plan). It is illogical that the rule applies only to one FSA and one HSA.