Message Font: Serif | Sans-Serif
UnThreaded | Threaded | Whole Thread (13) | Ignore Thread Prev | Next
Author: foo1bar Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 124159  
Subject: Re: HSA plan? Date: 10/30/2012 5:29 AM
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Recommendations: 0
Since the individual policy for me would be an HMO, primary and secondary is not an issue.
Is that based on actual discussion with Kaiser and the HDHP provider?
Or based on what you *think* should be the case?
Like many bureaucracies, what you think makes sense and what the rules are can be quite different.

I think what you're looking at is through your company getting a family-plan HDHP for yourself and DH, and Kaiser for just yourself.
My *guess* is that DH will just have single coverage, but you will have primary and secondary insurance. It'll probably be advantageous to you to file your expenses against the HDHP as well as your HMO coverage. It won't help you directly with your own healthcare costs, BUT it'll probably get you through that deductible faster, which will lower your DH's overall costs.

BTW: I strongly suggest doing good bookkeeping - ex. spreadsheet with what you've spent. Double-coverage can sometimes be a PITA for getting the Doc/hospital/clinic/lab/whatever to process it right (my DW had HDHP through me, and her own coverage from work)

BTW: if *YOU* are covered by an HMO plan, *YOU* will not be eligible to contribute to an HSA account. however, your DH who is only covered by the HDHP probably will be able to open and contribute to an HSA.
(So don't open the HSA account portion through your work and contribute to it from your paycheck if you're getting coverage from somewhere else)

Good luck.
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (13) | Ignore Thread Prev | Next


In accordance with IRS Circular 230, you cannot use the contents of any post on The Motley Fool's message boards to avoid tax-related penalties under the Internal Revenue Code or applicable state or local tax law provisions.
Post of the Day:
Macro Economics

Looking at Oil and Gas
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.