* non-HDHP = indicates any coverage that is not an IRS qualified benefit set.
** HDHP = indicates an IRS qualified CDHP. At Willmar School only the $3125
deductible plan is a qualified CDHP
Husband: No
Husband: Self- Husband: Self- Husband:
Husband:
coverage of any only non-HDHP only HDHP
Family nonFamily HDHP
kind
coverage *
coverage
HDHP
coverage*
coverage*
Wife: No
No HSA!
No HSA!
H is eligible to No HSA!
H is eligible to
coverage of any Neither H nor W Neither H nor W contribute to an Neither H nor W contribute to an
kind
is eligible to
is eligible to
HSA up to
is eligible to
HSA up to
contribute to an contribute to an single
contribute to an family
HSA
HSA
contribution
HSA
contribution
maximum. W is
maximum. W is
not eligible to
not eligible to
contribute to an
contribute to an
HSA.
HSA.
Wife: Self-only No HSA!
No HSA!
H is eligible to No HSA!
H is eligible to
non-HDHP
Neither H nor W Neither H nor W contribute to an Neither H nor W contribute to an
coverage
is eligible to
is eligible to
HSA up to
is eligible to
HSA up to
contribute to an contribute to an single
contribute to an family
HSA
HSA
contribution
HSA
contribution
maximum. W is
maximum. W is
not eligible to
not eligible to
contribute to an
contribute to an
HSA.
HSA.
Wife:Self-only W is eligible to W is eligible to Both H and W Neither H nor W Both H and W
HDHP coverage contribute to an contribute to an are eligible to is eligible to
are eligible and
HSA up to
HSA up to
contribute to an contribute to an treated as
single
single
HSA up to the HSA, unlessW having only
contribution
contribution
single
is not covered family
maximum. H is maximum. H is maximum
by H's family
coverage. Their
not eligible to not eligible to contribution
non-HDHP. In maximum
contribution to contribution to limit for each. that case, W is contribution is
an HSA.
an HSA.
eligible to
the family limit
contribute to an to be divided
HSA up to the between them.
single
contribution
maximum.
Wife:Family
No HSA!
No HSA!
Neither H nor W No HSA!
Neither H nor W
non-HDHP
Neither H nor W Neither H nor W is eligible to
Neither H nor W is eligible to
coverage*
is eligible to
is eligible to
contribute to an is eligible to
contribute to an
contribute to an contribute to an HSA, unless H contribute to an HSA, unless H
HSA
HSA
is not covered HSA
is not covered
by W's family
by W's family
non-HDHP. In
non-HDHP. In
that case, H is
that case, H is
eligible to
eligible to
contribute to an
contribute to an
HSA up to the
HSA up to the
single
family
contribution
contribution
Wife:Family
HDHP
coverage*
maximum.
W is eligible to W is eligible to Both H and W
contribute to an contribute to an are eligible and
HSA up to
HSA up to
treated as
family
family
having only
contribution
contribution
family
maximum. H is maximum. H is coverage. Their
not eligible to not eligible to maximum
contribution to contribution to contribution is
an HSA.
an HSA.
the family limit
to be divided
between them.
maximum.
Neither H nor W Both H and W
is eligible to
are eligible.
contribute to an Their maximum
HSA, unless W contribution is
is not covered the family limit
by H's family
to be divided
non-HDHP. In between them.
that case, W is
eligible to
contribute to an
HSA up to the
family
contribution
maximum.