I just wanted to double-check to see if what I was thinking of doing is allowed.
I’m currently on a low-deductible health plan, and thus have no HSA.
I’m getting married at the end of the month, which I believe makes me eligible to make changes to my health insurance as a qualifying event. So I figured I can switch, and max out my HSA quickly. Based on google searching, my spouse can join on to the HSA and we can contribute twice as much.
Based on recent events, it looks like I’m very likely to change jobs soon after that. The new job does NOT have an HSA.
I’m not sure if there’s any requirement on how long you need to have a qualifying HDHP to contribute to your HSA. I couldn’t find anything saying there was a minimum amount of time.
So I’m just trying to make sure the following is a legitimate strategy:
- Get married, in qualifying event get spouse and I on current employer’s HDHP, max out HSA.
- Change jobs, in qualifying event of losing health insurance switch to spouse’s HDHP that does not have an HSA, or switch just spouse to that & get my own insurance in new job.