Cafeteria plan contributions to spouse's HSA

[Guest K Conklin]

Can the husband of an HSA-eligible individual contribute to his wife's HSA through the husband's cafeteria plan which is sponsored by a different employer than the wife's employer?

[GBurns]

Read Publication 969:

http://www.irs.gov/pub/irs-pdf/p969.pdf

Note the TIP at the end of page 2 which indicates that Each spouse who is an eligible individual must open a separate HSA. You cannot have a joint HSA.

Note also page 3 about You or your spouse (joint filers) not being able to have other coverage that is not a HDHP.

So you have the problems of :

What sort of coverage does the husband have?

Can the spouse contribute to an HSA that is not his through a cafeteria plan? I would say no since he is not a covered individual of that HSA and the statement in TIP on page 2, etc.