I'm joining a private practice and the practice offers a HDHP with a $100 monthly contribution into an HSA without any extra premiums (I get this for "free"). My wife, through her work, has an amazing health plan where coverage for her is free as well and our family can be covered for just an extra $25 per month. Objectively, her health insurance plan is significantly better than the HDHP offered through my work. However, I want to use my HDHP as a stealth IRA.
Can I have two health insurance plans and use my wife's health insurance as my primary insurance and just use my HDHP for the stealth IRA and receive the $100 monthly contribution? I've read conflicting information about this online and was wondering if anyone had any personal experience doing this.
Thanks in advance!
Can I have two health insurance plans and use my wife's health insurance as my primary insurance and just use my HDHP for the stealth IRA and receive the $100 monthly contribution? I've read conflicting information about this online and was wondering if anyone had any personal experience doing this.
Thanks in advance!
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