@Mike9241 wrote:
you did not say if you were married because if so she would need to not have any independent insurance coverage or if she has it too would need to be a high deductible plan
This is not correct. If spouse A has a family HDHP covering spouse A and spouse B, but spouse B is also covered by a non-qualifying plan from their employer, then spouse B is ineligible to contribute to an HSA, but spouse A is still eligible, as long as A is not covered under B's policy. The fact that spouse B has disqualifying coverage does not, by itself, disallow contributions by spouse A.
