HSA

[jala]

Company has HDHP with HSA. Employer contributions are made to all employees.

Husband and wife are both employed by this same company and they are each eligible for catch up.

Should each carry single coverage in order to each receive the full employer contribution and each be able to fund the maximum catch up.

If the husband elects family coverage and puts his wife as a dependent and she does not elect separage coverage, would they have to split the contribution andcatch up limits?

[Jacmo]

Each will have to carry separate coverage for both to get the employer contribution--dependents can't get employer contributions.

Is the employer's contribution tied to the election of a coverage or available to all employees who are HSA eligible (i.e, covered by a HDHP)? You state that employer contributions are made to all employees.

In the last scenario, the indication is that she does not have a separate HSA, in which case they don't have to split the limits.