My wife has an HRA but does not cover me, can I contribute to an HSA?

[efra777]

For my wife’s hra to cover me, she would have to add me to her plan which now would cost more. I have my own employee-only insurance with my company and wanted to make sure I can contribute to my HSA since I cannot use her HRA.

[BillM223 · Accepted solution]

Yes, you can contribute to your HSA, but read below.

Have you explicitly opted out of coverage on your spouse's HRA (this is different from you having an HRA)? You have to do this, since in a normal HRA, your spouse could pay for your medical expenses, which would make it impossible for you to qualify to contribute to an HSA. That is, as you know, you can't be covered by an HRA and an HSA at the same time, to contribute to your HSA.

You should keep a copy of any documentation showing that you were not covered by your spouse's HRA in your tax file. Also, check with HR because you may have to repeat your opting-out every year (depends on how they handle the HRA plan).

[Boombaby99]

It depends on the type of HRA. Some HRAs ARE compatible with HSAs like limited purpose HRAs and post deductible HRAs.