There is no employment or income requirement for making an HSA contribution. Since your spouse is covered by your HDHP plan through your employer, she can make a contribution to her own HSA.
Can I use my HSA to pay for my fiance?
Each spouse who wants to contribute to an HSA must open a separate HSA. Dollars cannot be transferred between the HSAs. However, one spouse may use withdrawals from their HSA to pay or reimburse the eligible medical expenses of the other spouse, without penalty. Both HSAs may not reimburse the same expenses.
What can a spouse use a HSA for?
Since HSAs can be used to pay for eligible medical expenses for a spouse and dependents regardless of what type of qualified HDHP coverage they choose (family or individual), the spouses have a couple of options to consider:
Can a spouse contribute to a family health savings account?
So, you can contribute to the family maximum, even if your spouse is disqualified. If you’re enrolled on your employer-sponsored coverage, you probably contribute through pre-tax payroll deductions to maximize your tax benefits. That’s the right strategy nearly universally.
Do you have self only or family coverage for your HSA?
On the other hand, if their insurance covers both them and a spouse, child, or dependent, they have “family” coverage. This determination is important for determining both your contribution limit and filling out line 1 on Form 8889. Line 1 of 2017’s Form 8889 marked as “Self-only” provided by EasyForm8889.com.
Is there such a thing as a joint HSA?
Unfortunately, there’s really no such thing as a joint HSA. HSAs are, by nature and by definition of the IRS, individual accounts. This is true even if you and your spouse are both covered by a family high-deductible health plan (HDHP). However, that doesn’t mean you and your spouse can’t benefit from opening and having HSAs.
