Dual HDHP Coverage

[BellaBee41]

Hello,

Can an employee and their spouse enroll in each of their employer’s HDHP and cover each other? For example, an employee elects a HDHP under their employer’s health plan and receive HSA employer contributions; Meanwhile, the spouse also enrolls in her employer’s HDHP Health plan covering both of them, but does not contribute to her HSA, nor does the employer contribute. 
 

My understanding is that dual coverage is allowed as long as both are HDHPs and they don’t exceed the irs limit of $8,750 in HSA contributions. Is this correct?

 

[amanda22]

Yes, the dual HDHP coverage itself shouldn’t be the problem as long as both plans are actually HSA-qualified and neither person has other disqualifying coverage.