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Asked 3/31/2010

I have HSA account, but my husband doesn't. Can i pay from my HSA account for my husband's eye sugery like LASIK?

I have HSA account, and i have spare money on it. I didn't use for a couple years. My deductable is 2700, but i have more then that. Can i still pay for my husband's surgery even though he is not on my insurance or HSA?

 
 
 
 
 
Answers

Answer 1/2 - Submitted 1/15/2011

Yes, you can use a HSA to reimburse qualified medical expenses for your spouse even though he is not on your insurance.

 
 

Answer 2/2 - Submitted 9/29/2011

The answer is that it depends on the terms of the HSA. Most are still fairly flexible, but there are some exceptions. Beyond these general guidelines, definitely consult with the HSA administrator for a concrete answer to this situation.

Under ordinary conditions, an HSA may go toward the expenses incurred by a spouse. The best chance of this happening is if your spouse is designated as an HSA beneficiary. This is different from actually being part of the HSA or having his own account, as with traditional health plans. Thanks to their unique flexibility, your husband should be able to use some of your funds, as long as he is connected to the account somewhere.

If he's not added, then there might not be any hitches either. It often takes a simple call or online alteration of the HSA to add a beneficiary. Unlike health insurance plans that rarely let you retroactively add new family members, HSAs are much more open. Spouses and children are commonly added. The account can then reimburse expenses that occurred, even before the person was officially on your HSA.

 
 
 
 
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