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lblock84
New Member

I have an old HSA account that has money in it. I do not contribute nor does my employer. I changed health insurance through my husbands employee

Does this still mean I have HDHP even though my HSA and new health care is not linked?
1 Reply
ghost
Level 8

I have an old HSA account that has money in it. I do not contribute nor does my employer. I changed health insurance through my husbands employee

"Does this still mean I have HDHP even though my HSA and new health care is not linked?"

Not necessarily. It depends on whether your new insurance is or is not HDHP.

There is nothing that "links" your insurance to your HSA. It only seems that way because you had setup both through your employer. But as far as the tax law is concerned, you can open a HSA independent of your HDHP insurance.

You may continue with your original HSA even though you no longer have HDHP insurance but you cannot add contributions. If your husband's insurance happens to be a family HDHP type (covers you and him) you can contribute to your HSA (and his HSA).

So in summary, if your new insurance is HDHP, you can make HSA contributions to your original HSA or any new HSA. If your new insurance is NOT HDHP, you cannot make HSA contributions to any HSA.

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