HSA question

[kjohn12]

My husband and I will be on different medical plans (he's on his company's and I'm on mine). He has a HDHP with an HSA. Can he use his HSA funds on me? For example, if I get pregnant- can he pay for the labor and delivery or can it only be used on him?

Thanks!

[chuicafina]

Just confirmed with my husband who works in FSA/HSA- YH is the only one who can fund the HSA since he has the HDHP, but you can use it. We have one through my husband's company and it paid for my (very expensive) labor and delivery.

[SJ]

Yes. DH has a HDHP with a HSA and I am an authorized user and have a POA. I have my own card and can use it for co-pays, Rx, contacts etc.

However since my insurance is not a HDHP, we can only contribute $3100/yr to the HSA since it is DH only on the plan.

[Becca]

I agree with the other ladies - you can't contribute to his HSA, but the dollars can be spent on you (for qualifying expenses of course)

[gtkim]

We are on separate plans too. When DH looked into his HSA we found out that his money could only be spent on me as long as I didn't have any money in my own FSA.

Since the amt he could contribute was lower and then would have to cover my expenses too we decided in the end it wasn't worth it for us.