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Reply to "CareFirst HDHP — what am I missing?"
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[quote=Anonymous][quote=Anonymous]NP. I’m thinking ahead to 2023 and have a few related questions about CareFirst HDHP that I hope someone can answer: — Is the preferred provider network the same as for BCBS Standard and Basic? — For married couples who want to max out your pre-tax contributions, how do you do it? Do both spouses have HSAs, or just the subscriber? [/quote] I'm not a Fed but can answer your second question. We split the HSA between us although the insurance itself is with the spouse. HSAs are not a shared account and need to be maintained individually so we thought we'd do it this way. Note that HSA is a pre-tax deduction and you'd end up paying less Medicare tax if deducted through payroll. If that's important to you, make sure the HSA deduction comes out of the paycheck of the spouse that carries the Insurance.[/quote]
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