I am trying to figure out whether I am legally permitted to open an HSA account. Here is the background: I am the primary account holder on a high deductible health care plan which comes with an HSA account that I can opt into. I am the secondary member on a plan that is not high deductible. Am I allowed to keep the HSA that comes with my plan, or am I obligated to decline it?

  • 2
    Is there a reason to be double insured? Would it make sense to drop one of them?
    – TTT
    Oct 26, 2020 at 18:15
  • What is the point of paying for two health insurance plans? Seems like a waste of money
    – Kat
    Oct 28, 2020 at 0:03
  • @Kat It's not a waste of money, but I'm not going to explain my personal situation here. You can see this link for examples of situations where a person may have dual coverage: ehealthinsurance.com/resources/individual-and-family/…
    – kk7534
    Oct 28, 2020 at 14:36
  • @TTT Yes, and no. See my previous comment, thanks!
    – kk7534
    Oct 28, 2020 at 14:37

1 Answer 1


You are probably not eligible for an HSA based on your secondary coverage.

From IRS Pub 969 (emphasis added):

Qualifying for an HSA

To be an eligible individual and qualify for an HSA, 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 2019 tax return.

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.

Pub 969 also lists some specific exemptions to this rule about what kinds of "secondary coverage" you can have, but being covered by someone else's health insurance seems to be a pretty straightforward violation of the eligibility rules.

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