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Guest Rellio
Posted

A husband and wife have different plans. The husband has an HSA plan under his employer, and the wife has a $250 deductible PPO plan with her employer.

Can the husband use his HSA funds to pay for his wife's out-of-pocket expenses?

Guest Rellio
Posted
No. To be eligible, she must have a qualified HDHP, the PPO you mentioned.

If the husband has a 9/1 renewal date, does he have to wait until the renewal to max his HSA account to the new maximums or can he do so as of January 1? Thanks for your help.

Guest BenefitsLawyer
Posted

An HSA can be used to pay (on a tax-free basis) the qualified medical expenses of the account-holder and the account-holder's spouse and tax dependents. The spouse and tax dependents do not need to be HSA-eligible. See IRS Notice 2004-2, Q/A 26.

  • 2 months later...
Posted

Rellio: The HDHP renewal date has nothing to do with HSA contribution time frames. He does not have to wait until 9/1 to max out his HSA contributions.

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