我和LD公司都提供医保。能不能一个人选择PPO family plan来cover医疗开销。另一个人选high deductible 来为两个人获得HSA。这样会有什么税务问题吗？
感觉没什么问题，赔偿的时候有可能比较麻烦
用的时候都走PPO，HSA只是拿公司的match和tax benefit，这样会有麻烦的地方吗？
有PPO coverage不能contribute HSA
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不可以，被保人必须没有除了HDHP以外的保险才可以contribute to HSA，否则会被disqualified
You can only contribute to your HSA when you’re enrolled in a qualified high deductible health plan with no other coverage that disqualifies you .
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如果楼主有小孩的话，可以一个人选择PPO individual plan，另一个人选择 HDHP w dependent，可以contribute up to family limit $7750
但是报销的时候第一个人必须走PPO，第二个人和小孩必须走HDHP，总之不能double dip
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1095-C出卖你
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lz的问题让我想到了另一件事。有一种类似于double dip的操作，我知道能这么操作但是没什么需求。
我们公司的保险是这样的，我的保险可以作为ld的secondary的保险使用。如果primary的保险不cover的部分，secondary可以coverprimary保险不cover的部分。我看过一些案例（信息来源不方便说），secondary+primary可以把你的out of pocket降到0（deductible应该不算在内）。不知道有没有大佬了解这方面的知识可以详细说一下
牙医很多这么玩的。medical也可以，但是意义不大。个人变全家，deductible变高，之后的报销比例本来也挺高（70-90%），变成100%并没有赚多少。两人plan的oop max还更高了。就算不算平时多花的保费，最终是多花钱。
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这种情况不可以contribute family limit，只能contribute一个人的limit。
是吧？我说怎么很少听说有人这么干。我观察到这么玩的都是年纪大的用Medicaid和Medicare这么干。行业相关就不说太多了，反正有兴趣的朋友也可以去了解了解
我确定可以
之前这个帖子里讨论过：
我自己就是这么实践的，有其他坛友也是
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加了 domestic partner 可以存 family limit 吗？保税不会一起报
你的domestic partner是否enrolled in your family HDHP?
你的domestic partner是否有其他non-HDHP plan?
如果第一个问题是“Yes”，第二个问题是“No”，是必须条件；不太确定是否必须一起报税
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感谢！是的，enroll 到了我的 family HDHP，她没有其他保险。但是感觉 HSA 是靠 IRS 检测的，我怀疑可能是需要一起报税
According to this website, you and domestic partner are in the sweet spot:
Domestic Partners
A major HSA benefit for domestic partners is the ability to contribute up to the annual family max in separate accounts. This is possible if neither of you is a tax dependent of the other partner. Since domestic partners are not married, they are viewed as separate tax entities. This means you can both contribute up to the family maximum to your own HSAs if both of your are covered in a family health plan, even if it is the same family health plan. That means both of you could contribute up to $7,750 for the 2024 tax year. However, you are not allowed to pay for your partner’s eligible medical expenses with your HSA.
If one partner is a tax dependent of the other partner, and both are covered by a family health plan, only the partner carrying the coverage can open an HSA and only that HSA can be funded. Both partners could contribute to the annual max, $7,750 for 2024, and the account holder could pay for the partner’s eligible medical expenses with it, but the other partner could not contribute to his or her separate HSA.
see also examples in this document: https://www.whoi.edu/fileserver.do?id=219904&pt=2&p=32428#:~:text=for%20eligible%20medical%20expenses.,(s)%20eligible%20medical%20expenses.
太感谢了！contribute $15000 好像太多了，可能没办法取出来还要被薅一笔，还是存 7500 好了
HSA可以说是各种tax benefit账户里最好的了 triple tax benefits，只要有闲钱的话，建议还是勒紧裤腰带多存点
等工资高了之后就会觉得一年7500额度太少了，后悔以前没多存点
（其实也不用担心取不出来钱，你用HDHP的话只要一年生了一次稍微严重点的病，花费就上千了，bill攒着随时可以从HSA取钱）
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这么一说 HSA 应该可以做根管治疗之类，那就存满好了，主要之前是担心取不出来。感谢指导了，这么一存满感觉能省下了四五千的税吧
根管可以用fsa