HSA distributions for Spouse, mid year marriage and only I have HSA account.

Forum|Forum|7 years ago
June 6, 2019
5 replies
49 views

I have HSA account since January 2018 (For year 2018 contributions only, no prior year contributions), I got married recently in July. MY spouse and I have different medical plans, my spouse does not have an HSA account(We are not planning on changing the medical plans). My question is Can I claim bills for my spouse from my HSA account for the services taken from January 2018 until marriage ? Or is it only applicable for services after marriage? We will file taxes jointly. Thank you

dmertz

Level 15

Distributions from your HSA can only be used to cover medical expenses of your spouse if the medical expenses are incurred while you are married. Medical expenses incurred by your (now) spouse before you got married are not qualified medical expenses and cannot be paid from your HSA.

dmertz

Level 15

Given that something like orthodontia involves ongoing treatment, I suppose that one could make the argument that some portion of the medical expense would have been incurred after the beginning of the process, but it's hard to say how much if the work was being done at a flat rate.