Me and my wife are residents of Washington state. I have a regular family PPO plan that is not HDHP covering me and the kids and i have FSA to cover the medical expenses. My wife has her own individual HDHP plan through her employer with an HSA account covering only herself. Planning for 2018, i was thinking of adding my wife to my family plan as a secondary insurance since i already have a family plan and premium will stay the same to add her plus my plan have lower deductibles. I have reviewed some sites that mentions IRS does not allow people to have primary HDHP plans with HSA and combine it with secondary insurance that is not HDHP (our case). Is any one aware of this rule that secondary medical insurance plan makes you illegible for HDHP and HSA? If IRS does not allow primary HDHP with HSA to be combined with secondary non-HDHP plan, can my wife keep her HDHP plan but opt out from having an HSA acocunt (which is primarily funded by her employer)? My wife's employer does offer non-HDHP as well but for higher premium, should we go for this option? Thanks for anyone who can shed some light on this.
