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Can married state employees enroll separately in the State HDHP, or do they have to enroll together and how will the state HSA contribution work if dependent children are enrolled?
Each family member can only be covered once. The State HDHP premium, deductibles, out-of-pocket maximums, and the state’s HSA contribution is based on that enrollment.
The family HSA contribution limit would apply collectively, meaning that if the two employees maintain coverage under separate plans and one covers one or more of their children, their aggregate HSA contributions, both from the state and any contributions they make, cannot exceed the HSA contribution limits for family coverage. Dependent children and the spouse can still use either employee’s HSA if they’re considered qualified tax dependents.