This is not clear to me. When specifying what months we each had HSA health plan coverage from an HDHP, the options are given for each month are:
My wife had a plan all year (and December of 2024) that covered our whole family. I had a plan that covered me in December 2024 as well as part of 2025 (thus being covered by both for part of the year, and only my wife's family plan for the other part of the year).
As such, it appears as though I should select "Family Plan" for my wife for all months. For me, it appears as though I have 3 options. I'm trying to clarify the correct route. My considerations for me are:
- OPTION 1: "Self Plan" for months that I had my own coverage, and "Family Plan" for the remainder
- OPTION 2: "Self Plan" for months that I had my own coverage, and "None" for months that I was only under my wife's family plan
- OPTION 3: "Family Plan" for all months as I was covered by her plan the entire time (in addition to the months that I had my own)
What's the correct thing to do here?
@Mike9241 any thoughts?
