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Message
Can I use my HSA account to pay my wife and. daughter's medical expenses?
Posted on 12/31/18 at 6:00 pm
Posted on 12/31/18 at 6:00 pm
They are on their own insurance.
I have a debit card linked to my HSA account. Can I pay her co pays and prescriptions with it?
I have a debit card linked to my HSA account. Can I pay her co pays and prescriptions with it?
11
Posted on 12/31/18 at 6:07 pm to LSU6262
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 This implies money can be withdrawn for that individual's needs and not for someone else's.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.
At any rate, since they have their own insurance anyway why would you want to spend out of your HSA to start with?
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 This implies money can be withdrawn for that individual's needs and not for someone else's.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.
At any rate, since they have their own insurance anyway why would you want to spend out of your HSA to start with?
Posted on 12/31/18 at 7:04 pm to LSU6262
I think you can use a HSA to pay for any medical expenses for the household, regardless of the insurance plan.
I know it works that way for a FSA.
I know it works that way for a FSA.
Posted on 12/31/18 at 7:11 pm to foshizzle
quote:
, since they have their own insurance anyway why would you want to spend out of your HSA to start with?
Wife doesn't have an HSA, I do
Posted on 12/31/18 at 7:13 pm to LSU6262
You should be good, but check with your HR dept.
Posted on 12/31/18 at 7:17 pm to LSU6262
Yes you can. I’ve had an HSA for about 10 years now. My wife does not. As long as you are married and it also includes any dependednts you claim on your tax return. Also has to be qualified medical expesnses. I believe that does include co pays but you would have to look that up.
Posted on 12/31/18 at 7:37 pm to LSU6262
Yes
Wife has her own insurance but I use my HSA for her copays and any prescriptions
Wife has her own insurance but I use my HSA for her copays and any prescriptions
This post was edited on 12/31/18 at 7:38 pm
Posted on 12/31/18 at 7:51 pm to LSU6262
Yes. As long as they’re your dependents and they’re qualified expenses, you’re good.
Posted on 1/1/19 at 5:08 pm to LSU6262
Wife and kids, yes.
Posted on 1/1/19 at 5:14 pm to foshizzle
quote:
I suspect the answer is "no”...
That said, I'm not a real expert on this topic so you may want to do some research.
So why post your best guess and spread misinformation? quote:
At any rate, since they have their own insurance anyway why would you want to spend out of your HSA to start with?
Probably because it’s his fricking wife and kids. Geeze man. Just delete your post.
Posted on 1/1/19 at 6:29 pm to LSU6262
The technical answer is ‘No’, you cannot use the HSA for anyone not on the HDHP. However, it’s all on the honor system.
Posted on 1/2/19 at 2:05 am to TigerDeBaiter
quote:
So why post your best guess
Because it's a message board. That's what people do.
quote:
and spread misinformation?
I didn't. I specifically noted my opinion was strictly that of a non-expert and that he should research it more deeply. At no point did I represent it as fact.
Posted on 1/2/19 at 7:23 am to LSU6262
Can't you just deposit whats needed to your checking account and pay that way?
This post was edited on 1/2/19 at 7:24 am
Posted on 1/2/19 at 11:26 am to LSU6262
Its your money. Use it as you want to.
Posted on 1/2/19 at 12:08 pm to Adam4848
quote:
Can't you just deposit whats needed to your checking account and pay that way?
Yes you can, you can do it either way.
Posted on 1/2/19 at 12:45 pm to Adam4848
quote:
Can't you just deposit whats needed to your checking account and pay that way?
Well my HSA is funded pre-tax from my payroll.
Posted on 1/2/19 at 12:54 pm to LSU6262
You can still, generally, reimburse yourself for qualified medical expenses if you pay with something other than the HSA provided card. You'd obviously want to keep the receipt of the purchase, but say you paid via credit card, you could still send your HSA funds to your checking account as a reimbursement for the qualified expenses you paid out of pocket.
Posted on 1/2/19 at 1:03 pm to LSU6262
quote:doesn't mean you need to use your HSA.
Well my HSA is funded pre-tax from my payroll.
You can use your own checking and enjoy that free growth and pay yourself back years down the road
Posted on 1/2/19 at 1:14 pm to EveryoneGetsATrophy
quote:
Its your money. Use it as you want to.
Famous last words
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