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vkg -

Ah. I did get confused by the terms you used. Well, this does not seem like a tax strategy question then...and you may want to take this to the insurance board for input.

I'll attempt a response anyway. Based on my experience, people can be covered by two health insurance plans simultaneously (one is usually designated as the primary and the other secondary). This is often the case with kids that may be covered under two plans (i.e., under each parents plan when both parents work and have seperate family coverage with each employer). So, it is possible to have an individual covered by multiple helath insurance plans. Given that situation, I don't see that it would make a difference whether the two plans are two HDHP/HSA-compatible plans or some other type. Don't know how double coverage would work with an HMO style account, but the insurance carrier should be able to address those questions for you.

I'm not entirely sure that this addresses your question as I'm not sure what you meant with this statement: It is cheaper for me to cover my husband at work, and for me to buy individual coverage.

Are you suggesting an individual HDHP for DH through your work's provider, and a different HDHP coverage for you (purchased independently and not through your employer's provider)? If your work will let you establish coverage for DH with out requiring that you be insured under a family plan (or as the primary), then two separate policies should not be a problem. However, if what you intend is to establish two plans for yourself (one as a family plan with DH and a 2nd individual plan for you), there may be some issues with the providers accepting this and you could run into trouble when they have to establish the primary and secondary provider. I would think that approach would be overly costly as well.

I hope this helps...I'm still not sure I understand the question.

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