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That part is not clear to me because my employer pays health insurance premiums if you are the only one covered under the plan (e.g., my husband and I have insurance through our respective employers so I don’t pay anything for mine, but if I were to have a family plan my company would only pay a portion). 

I still feel like based on what the Blackhawk Bank information was saying is that a benefit of if someone else puts money in is that I still get to claim it to offset my income?