I'm not entirely sure this is tax specific, but here goes.
My benefits open enroll in Nov, and coverage starting in Jan. My wife's are August starting in Oct. I see that if we take on a PPO or non-HDHP option from her we disqualify for our HSA contributions from my plan for the year.
1) How does that work if we take on her plan this open enrollment and it only covers us from Oct-Dec?
2) Is it possible to split our kids on the insurance instead of having all 3 on both and therefore not lose our HSA?
Example: Our oldest has thousands upon thousands of medical bills every year related to her mental health issues that result in constantly getting sent to long term care facilities, that insurance "Doctors" send her home from before she's done because they dont like to pay. This results in issues not being triaged and her returning a few months later.
Our goal is put her on a low deductible plan or something with my wife's company in hopes that a different insurance company will actually support her getting the help she needs instead of fighting tooth and nail with the facility.
Is this do-able? Before we got married I was able to put one of the children on my plan for family HSA, while the others with pre-existing conditions were on another plan, but we didn't file taxes jointly then.