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Asked 12/3/2007

Can you still have an HSA account if one of your children carry secondary insurance?

We carry secondary insurance for my step-child per a recent court order. Her mother has set up an HSA in 01/07 and is using the secondary coverage for the child. Is it against the law to have an HSA when you have secondary medical coverage available to a child? I thought you couldn't have both secondary coverage and an HSA, but since it is a child and not the primary account holder doesn't that rule apply?

 
 
 
 
 
 
Answers

Answer 1/2 - Submitted 12/4/2007

Anybody can have an HSA qualified plan with an HSA account and also have secondary insurance, although it's usually not cost effective (unless someone else is paying the premium). I have a funny feeling, though, that her mother is using the secondary as the primary and has maybe even taken her off the HSA qualified plan.

 
 

Answer 2/2 - Submitted 12/4/2007

Any adult can contribute to an HSA if they:

• Have coverage under an HSA-qualified “high deductible health plan” (HDHP)
• Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or long term care insurance are permitted).
• Are not enrolled in Medicare.
• Cannot be claimed as a dependent on someone else’s tax return.

Based on the above I agree with your thinking that she cannot have secondary coverage unless it is specific injury insurance or accident, disability, dental care, vision care, or long term care insurance

 
 
 
 

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