问个FSA和HSA的问题-我存了general purpose的 FSA,老公就不能再放 HSA了吗?
浓情巧克力
楼主 (北美华人网)
如题,我今年选的不是high deductible的保险,然后我存了一点FSA。我的保险带着孩子们。老公选了high deductible,存HSA。 今天突然意识到,我如果有FSA,老公就不能存HSA?google好多网站都说这样是不可以的,配偶有了FSA,另一方就不能再存HSA,即使两方互相不是dependent.
但是我在IRS网站上找不到任何证据说这样做是不可以的,里面关于HSA只有这样一段话 Qualifying for an HSA Contribution To be an eligible individual and qualify for an HSA contribution, you must meet the following requirements. You are covered under a high deductible health plan (HDHP), described later, on the first day of the month. You have no other health coverage except what is permitted under Other health coverage, later. You aren’t enrolled in Medicare. You can’t be claimed as a dependent on someone else’s 2022 tax return. . Under the last-month rule, you are considered to be an eligible individual for the entire year if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers). . If you meet these requirements, you are an eligible individual even if your spouse has non-HDHP family coverage, provided your spouse’s coverage doesn’t cover you.
哪里有证据写清楚了一方存了FSA另一方就不能存HSA啊?我们去年也是这么操作的(不知情),报了税,目前也没什么问题,turbotax报的,HSA和FSA都报进去了啊。 如果有问题,应该怎么改呢
但是我在IRS网站上找不到任何证据说这样做是不可以的,里面关于HSA只有这样一段话 Qualifying for an HSA Contribution To be an eligible individual and qualify for an HSA contribution, you must meet the following requirements. You are covered under a high deductible health plan (HDHP), described later, on the first day of the month. You have no other health coverage except what is permitted under Other health coverage, later. You aren’t enrolled in Medicare. You can’t be claimed as a dependent on someone else’s 2022 tax return. . Under the last-month rule, you are considered to be an eligible individual for the entire year if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers). . If you meet these requirements, you are an eligible individual even if your spouse has non-HDHP family coverage, provided your spouse’s coverage doesn’t cover you.
哪里有证据写清楚了一方存了FSA另一方就不能存HSA啊?我们去年也是这么操作的(不知情),报了税,目前也没什么问题,turbotax报的,HSA和FSA都报进去了啊。 如果有问题,应该怎么改呢