BWstat
New Member

My wife and I work for the same company and we have two kids. Instead of choosing the family HSA plan, can we each choose an employee+1 plan and make $7K contribution?

Employee contribution for family and employee+1 are $1800 and $900, per year, respectively. So the cost is the same if we choose family or two E+1 plans.

However, family plan allow total contribution up to $7K to HSA account. But if we each choose an E+1 plan and cover one of our kids, I assume we can put aside $14K to HSA all together. Am I right?