Help!! I need to figure this out ASAP. Who should I talk to first?

My spouse and I recently moved and changed jobs. I got hired first in June and selected an HDHP plan so I can contribute to an HSA.

Fast-forward to the present, my spouse has a new job and her emoloyer’s only option is health insurance with an HRA. Her HRA would make me ineligible for an HSA. I already contributed over $1000 to my HSA which, I am now led to believe, is not allowed for 2021.

First, this is horrible that my spouse switching jobs can forcibly kick me off of my own insurance plan that I’ve already contributed to for months, even if we both elect Single coverage.

Second, who should I talk to first to address this?

Her employer’s HR?

Her employer’s HRA vendor? (TASC)

My employer’s HR?

My HSA vendor? (Lively)

The IRS?

Reddit? 😉

I need answers ASAP because somehow we need to simultaneously get me off my insurance plan (open enrollment is now with changes effective Jan 1) and get her set up with insurance (effective immediately) while ALSO fixing my HSA situation so the IRS doesn’t come after me.

I am so frustrated just typing this. What an awful system. It seems clear that this very possible situation was not considered in ANY of the literature out there. Please help me! Thanks.

submitted by /u/MinnesotaPower
[link] [comments]My spouse and I recently moved and changed jobs. I got hired first in June and selected an HDHP plan so I can contribute to an HSA. Fast-forward to the present, my spouse has a new job and her emoloyer’s only option is health insurance with an HRA. Her HRA would make me ineligible for an HSA. I already contributed over $1000 to my HSA which, I am now led to believe, is not allowed for 2021. First, this is horrible that my spouse switching jobs can forcibly kick me off of my own insurance plan that I’ve already contributed to for months, even if we both elect Single coverage. Second, who should I talk to first to address this? Her employer’s HR? Her employer’s HRA vendor? (TASC) My employer’s HR? My HSA vendor? (Lively) The IRS? Reddit? 😉 I need answers ASAP because somehow we need to simultaneously get me off my insurance plan (open enrollment is now with changes effective Jan 1) and get her set up with insurance (effective immediately) while ALSO fixing my HSA situation so the IRS doesn’t come after me. I am so frustrated just typing this. What an awful system. It seems clear that this very possible situation was not considered in ANY of the literature out there. Please help me! Thanks. submitted by /u/MinnesotaPower [link] [comments]Read Morer/HealthInsurance

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