I am currently covered under my husband's employer-based family HDHP (just us, no other dependents). I have enrolled as a single individual (no dependents, no coverage for husband) in my employer's HDHP for next calendar year (2026) and opted to open an HSA (employer will contribute $500). My spouse currently plans to stay on their employer's HDHP and change from family to individual coverage.
I am considering staying on my husband's HDHP and continuing his family coverage so that I can use it as secondary insurance. My questions:
1) Is it legal to be on 2 HDHP plans (one primary and one secondary)?
2) If I do this, how would we need to manage the HSA contributions? Would I be able to contribute to an HSA at all? Would my husband contribute to the single or family maximum (or does this depend on how much I contribute)?
Thanks in advance!
