Deductions & credits

Yes, you are eligible, provided that you are correct about your spouse's insurance and HRA coverage limitations.

 

From publication 969,

Other health coverage.

If you (and your spouse, if you have family coverage) have HDHP coverage, you can’t generally have any other health coverage. However, you can still be an eligible individual even if your spouse has non-HDHP coverage, provided you aren’t covered by that plan.

 

 

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