re: Can I use my HSA account to pay my wife and. daughter's medical expenses?

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Can I use my HSA account to pay my wife and. daughter's medical expenses?
I suspect the answer is "no", for the following reasons:

1. An HSA is owned by the individual, much like an IRA. This implies money can be withdrawn for that individual's needs and not for someone else's.

2. As you noted, they're on their own insurance. My guess is that is it not the HDHP sort that is required for an HSA.

That said, I'm not a real expert on this topic so you may want to do some research.

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