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Full Version: HSA funds for spouse medical expenses
BenefitsLink Message Boards > Health & Welfare Plans > Health Savings Accounts (HSAs)
davinajm
Here's the situation: I generally have high medical expenses, and my husband has relatively none. So, to get the best plan for each of us, I am going to sign up for the normal PPO plan through my employer, and he is going to sign up for the HSA / High Deductible PPO through his employer. He will get an employer contribution and make his own employee contributions.

I know that I can not have an FSA with my employer (which would make him ineligible to contribute to his HSA).

I know that normally an HSA account could be used to cover expenses for the account holder, spouse, or dependents. Is this still true (we could use funds from his HSA to cover my medical expenses) even if I am under a different PPO plan under my employer?

Any guidance would be helpful.
J Simmons
Yes, it is true despite your different PPO coverage through your employer. The requirements for certain high-deductible health coverage (HDHC) only applies to the making of contributions to the HSA, not for non-taxable withdrawals from the HSA.
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