@puneetswami9 wrote:
Thanks.
Just so I understand correctly, we can do the following
My wife : herself + child
in her low deductible plan
Myself: me + child
HSA eligible plan and can contribute to family limits.
Making sure I am not on my wife’s plans and/or essentially any other plan that is not an HSA eligibile plan
That should work. Correct?
Right, but your wife can't take an FSA even if the option is available.
She could have a "limited purpose" FSA, which is a special FSA that only covers thing that are not covered by normal insurance, like vision care and orthodontics. A limited purpose FSA does not count as disqualifying coverage for you, but a regular FSA would disqualify you.
There's more information here.
https://www.irs.gov/forms-pubs/about-publication-969
