The IRS rule is that you can have as many HSA accounts as you want, provided you don't go over the yearly max. The tricky part is getting payroll to make those contributions pre-tax.
The HSA allocation that comes from the plan is taken from the FEHB allocation. The contribution is fixed to whatever your plan says, and the goes to the plan's HSA custodian.
If you are DoD, MyPay will let you set one HSA allotment for your extra contribution (whatever amount you want - just make sure you don't go over the yearly max) to any account you want. I don't how other agencies are set up.
In my case, I have the plan allocation (Aetna) going to PayFlex, and my additional allocation is going to a credit union. So that's two separate accounts there.
If you don't want to mess with all that, you would just ask for an additional dependent debit card. You would have a debit card for your expenses, and your husband would have a card for his expenses. They would be tracked separately, but paid from the same account. It would be just like having a credit card with two authorized users.
From: TSP_Strategy@yahoogroups.com [mailto:TSP_Strategy@yahoogroups.com]
Sent: Friday, November 13, 2015 11:17 AM
To: TSP_Strategy@yahoogroups.com
Subject: Re: [Non-DoD Source] [TSP_Strategy] Re: Can we talk Open Season?
For those using a high deductible/HSA account, is it possible to keep each individual family member's deductibles and/or accounts separate? My husband is self-employed so we use my insurance benefit, but otherwise don't mix our medical expenses.
Diane
On Thu, Nov 12, 2015 at 3:44 PM, 'Silva, David J CIV' david.j.silva@uscg.mil [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
Again, Sarah comes through with the useful information.
I fillowed that link to the IRS site for more details.
My son has a congenital bald spot which would not be covered by insurance but I'm pretty sure the IRS says we could use a medical savings account
"pay for cosmetic surgery if it is necessary to improve a deformity arising from, or directly related to, a congenital abnormality"
From: TSP_Strategy@yahoogroups.com [mailto:TSP_Strategy@yahoogroups.com]
Sent: Thursday, November 12, 2015 3:36 PM
To: TSP_Strategy@yahoogroups.com
Subject: RE: [Non-DoD Source] [TSP_Strategy] Re: Can we talk Open Season?
Can you use it for non-covered medical expenses, like cosmetic surgery?
My wife had a flex account a few years ago before there were no restrictions at all, as long as it went to a health care provider.
See link. The surgery would need to be a medical necessity..
http://www.hsacenter.com/qualified-med-expenses.html
Posted by: "Ed Drannbauer" <edrann@gmail.com>
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