Wife covered by my HDHP at my employer – can she open an HSA at her employer to get employer match

I’ve searched for this and I’ve asked my benefits department (hers is not helpful) and can’t come up with an answer.

Wife and I both happened to get new jobs at the same time. I enrolled our family in my HDHP which has really low limits and allows my spouse to be covered even though she’s offered insurance by her employer. It’s a nice perk.

Now, I opened an HSA at my company which matches $1,500/yr for a family. In enrolling in her benefits, she declined health coverage – however, it still allows her to enroll in an HSA that appears to have an employer match.

Is this a bug in the enrollment system or can she open an HSA for the employer match in addition to my HSA for the employer match.

I fully understand the contributions to both cannot exceed $7,200 in 2021. Just curious what incentive an employer has to match if the employee is not enrolled in the health plans they offer.

Edit: I realize I asked a few months ago about health plans due to new employment – yes, I switched to a new employer since then.

submitted by /u/mjrkwerty
[link] [comments]I’ve searched for this and I’ve asked my benefits department (hers is not helpful) and can’t come up with an answer. Wife and I both happened to get new jobs at the same time. I enrolled our family in my HDHP which has really low limits and allows my spouse to be covered even though she’s offered insurance by her employer. It’s a nice perk. Now, I opened an HSA at my company which matches $1,500/yr for a family. In enrolling in her benefits, she declined health coverage – however, it still allows her to enroll in an HSA that appears to have an employer match. Is this a bug in the enrollment system or can she open an HSA for the employer match in addition to my HSA for the employer match. I fully understand the contributions to both cannot exceed $7,200 in 2021. Just curious what incentive an employer has to match if the employee is not enrolled in the health plans they offer. Edit: I realize I asked a few months ago about health plans due to new employment – yes, I switched to a new employer since then. submitted by /u/mjrkwerty [link] [comments]Read Morer/HealthInsurance

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