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It wouldn't matter what Assurant says. It only matters what the HSA legislation says and nowhere does it state that husband and wife cannot have seperate HSA account - only that a family cannot contibure more than "X" dollars. If Assurant had an isue then I'd just write husband and wife One Deductible PPO's and farm out the HSA admin.
And for a little HSA 101 for any newbie here - everyone should be on a HSA.
Male 45, female 45 2 kids in 21113 with Golden Rule:
Copay Saver: $2,500 ded. $2,500 OOP = $513
What does a single person owe? $5,000. What does a family owe? $10,000
HSA 100 - $5,640 ded. 100% coinsurance = $344.
Now let's discuss:
1) For any major event any individual owes about the same amount for either plan.
2) For an exected even where more than one family member has an event it's double the exposure for the copay plan - not so for the HSA.
3) Those copays? They're costing $169 a month in added premium. The average network rate to see a doctor in my area is $60. The copay is $35 so that's an extra $25 to see a doctor and pay for meds. So the question is are you on $169 a month or $2,028 a year worth of meds and doctor visits? If so let me know now because you won't be approved.
And for a little HSA 101 for any newbie here - everyone should be on a HSA.
Male 45, female 45 2 kids in 21113 with Golden Rule:
Copay Saver: $2,500 ded. $2,500 OOP = $513
What does a single person owe? $5,000. What does a family owe? $10,000
HSA 100 - $5,640 ded. 100% coinsurance = $344.
Now let's discuss:
1) For any major event any individual owes about the same amount for either plan.
2) For an exected even where more than one family member has an event it's double the exposure for the copay plan - not so for the HSA.
3) Those copays? They're costing $169 a month in added premium. The average network rate to see a doctor in my area is $60. The copay is $35 so that's an extra $25 to see a doctor and pay for meds. So the question is are you on $169 a month or $2,028 a year worth of meds and doctor visits? If so let me know now because you won't be approved.