I’ve got a two prong question:
1: I’ve had a single coverage HDHP and HSA since 2012 and have always contributed to it. Got married in 2015 and my spouse and I had a child in September of 2016. My spouse has separate insurance from different employee and Spouse switched to self plus one CDHP when we had our child in September 2016. The CDHP plan automatically gave Spouse a $1,000 general purpose HRA, which was mainly used for spouse and child during the years. Have I been ineligible for HSA since that point? What do I do now?
2: For calendar year 2020 coverage, spouse added a $1,200 FSA and coverage begins in January of every year. Spouse used all $1,200 in March 2020 on child. Have I been ineligible for HSA all year? What do I do now?
