Spouse has Health Insurance through employer and a HRA that contributes $1000 a year. HRA is only able to be used by those covered under the plan. HRA covers medical, dental, and vision. I have separate Health Insurance through my employer through a HDHP. Can I contribute to an HSA since I am not covered by her HRA? My employer is saying I can't contribute, since my spouse has a HRA, but I don't have access to the HRA? Its my understanding I can spend the HSA on her still, is that the reason why I can't contribute? Married, filing jointly.
