Welcome back everyone. It's Finance Friday, another special edition of Money Girl

where I answer your burning money questions. Today's topic comes from Smet, who says your We're learning a lot and appreciate it. I have an HSA question. My wife and I are both

covered under my employer's HSA eligible health plan and we're both also

covered under her employer's health plan which is not

HSA eligible. I opened an HSA last year and was under the impression I could

contribute the maximum for a family plan.

But within a week I found out that I am not eligible to have an HSA since I am covered under my

wife's plan. We have tried to have me removed from my wife's insurance

but her employer refused. But I had already contributed about $250 and 55 came from my employer. They have taken their portion back, but I'm not

sure what to do with my contribution. Since it was pre-tax, how do I correct the taxes?

For 2025, I'm planning to get coverage only

through my employer's HSA eligible plan.

My wife will remain on her employer's plan and be on my plan as secondary insurance

so we can max out the family contribution limit. Will that be okay?

Thank you so much for your kind words and questions, Smeat. I know managing an

HSA as a couple can get a little confusing. This podcast will explain the benefits of an

HSA and the rules for who can max out the family limit,

whether you're married, have a domestic partner or children.

Welcome back everyone.

Thanks for joining me on episode 869. I'm Laura

Adams an award-winning author, finance spokesperson, money stack, a sub-stack newsletter,

and host of this podcast, Money Girl,

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