New Member

HSA When Spouse has Secondary Non-HDHP Coverage

I have family coverage through my employer on an HDHP that is HSA eligible. My spouse is included on this coverage. She also has secondary coverage through her parents plan (not yet 26) that is a non-HDHP. 


Am I still eligible to open and contribute to an HSA, even if we are planning to file a joint tax return? 

I know my spouse obviously cannot open an HSA or contribute since she is covered by a non-HDHP plan, but I’m not sure about myself since we will be filing jointly.


As I understand the law, I should be able to contribute since I am not covered under any non-HDHP plans, but I obviously want to make sure this is the case.