Anonymous
Not applicable

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a PPO plan can be a HDHP.  A PPO allows a person to see the doctor of their choice whereas with an HMO plan you're limited by the doctors you can see.  Thus being insured under a PPO plan has nothing to do with whether it's a HDHP.

 

if your benefits coordinator says you qualify for the max $7,000 contribution they should know.  Only they could answer for sure that the PPO plan is a HDHP

 

What type of HDHP coverage did I have for 2019?', do I select myself as being under a family plan - YES

And under 'What type of HDHP did my spouse have on December 1, 2019?', should I select Family, Self-Only or None? Family. 

 

the rules are if either spouse has family coverage on 12/1 both spouses are treated as having family coverage.

if both spouses have family coverage, each spouse is treated as having family coverage with the lower annual deductible of the plans. (thus it would seem that if there's family coverage, if one is covered by a non-HDHP neither can contribute to an HSA)