Hours of research have led me nowhere, so I ask the mob:
I'm on my own health insurance plan through my employer. (HDHP, so I have an HSA)
My wife is on a plan with herself, and our daughter through her employer. (Old-school-awesome-plan, low deductibles, super-low premiums for employee, but not HSA eligible)
For the last few years, I've contributed the max into my HSA for an individual ($3450 this year, for what it's worth). My question is, should I be eligible to contribute the family maximum in my HSA, even though we're on separate plans? $6850 in lieu of $3450? My HSA provider says no, but I don't trust $10/hr customer service reps, usually.
The HSA can be used for spouse and kids and myself for medical/dental, and I've used it successfully to pay for out-of-pocket pregnancy/birth stuff for my wife, even though she's on a different plan. I've also paid for some random medical visits for baby, even though she's on mom's plan. My logic is that if I can use HSA dollars for spouse and kids regardless of whether or not they're on my plan, then I should be able to contribute up to that family rate.
Anyone else deal with this? Usually my google-fu is on point, but I can't find anyone who has gamed the system like this.