Can you have an HSA if your spouse has a healthcare FSA?

Can you have an HSA if your spouse has a healthcare FSA?

• A. Yes, you can have an HSA.
• B. No, you cannot have an HSA.
• C. Only if the FSA is limited to dental and vision.
• D. Yes, but only if you also have a HDHP.

Answer: (B)

An HSA requires you to be covered by a high-deductible health plan and have no other health coverage that would disqualify you. A healthcare Flexible Spending Account through a spouse is considered another form of health coverage, and that generally disqualifies you from contributing to an HSA. So, in this common scenario, you cannot have an HSA if your spouse has a healthcare FSA. The usual exception is if the FSA is limited to dental and vision, which doesn’t count as disqualifying coverage in the same way. The key idea is that other health coverage alongside an HDHP makes HSA eligibility ineligible.

An HSA requires you to be covered by a high-deductible health plan and have no other health coverage that would disqualify you. A healthcare Flexible Spending Account through a spouse is considered another form of health coverage, and that generally disqualifies you from contributing to an HSA. So, in this common scenario, you cannot have an HSA if your spouse has a healthcare FSA. The usual exception is if the FSA is limited to dental and vision, which doesn’t count as disqualifying coverage in the same way. The key idea is that other health coverage alongside an HDHP makes HSA eligibility ineligible.