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02-25-2018 08:33 AM
Hi all, we've got two people living in our household...myself and my wife. I have a HDHP health plan with an HSA, but my wife doesn't have any health insurance.
I was wondering, can she still use my HSA account?
I found IRS publication 969 - found at this link https://www.irs.gov/pub/irs-pdf/p969.pdf - and on page 8 it says: "Qualified medical expenses are those incurred by the following persons. 1. You and your spouse."
I also found information at this link https://apps.irs.gov/app/vita/content/37/37_04_005.jsp?level=basic which says: "In the case of married individuals, each spouse who is an eligible individual who wants to have an HSA must open a separate HSA. Married couples cannot have a joint HSA, even if they are covered by the same HDHP; however, distributions can be used to cover the qualified expenses of the other spouse."
So after reading those articles, to me it would seem like she is able to use my HSA and we wouldn't have any issues with the IRS. What do you all think?
Thanks for the advice!
Solved! Go to Solution.
02-27-2018 05:48 AM