Great points from everyone for me to evaluate. Quick follow up question.
Let's assume I make no changes for 2016 and now we're talking about 2017 plans.
I will likely stay on my individual HDHP with an HSA as an individual and my wife switches to her own HDHP with HSA as a "parent + dependent." The reason why I wouldn't join her coverage (as the third member) is that her plan has a clause where they'd charge a very high ADDITIONAL premium for a spouse if that spouse has an opportunity to get their insurance through their own employer (which I can). Having her join my plan as a family isn't a great option either as my in-network is very far from where we live (I have a long commute as a medical resident) and it would be too difficult to have a pediatrician/hospital that far away.
Question:
For 2017, am I able to contribute to an individual HSA ($3,400) while my wife contributes as a family HSA ($6,750) since our child will be on her plan? This would total $10,150 (3,400 + 6750). Is this legal and will it work? If not, what is my best alternative to maximize my HSA contributions given my unique situation?
Of note, we currently file a married, joint tax return if that has any bearing.
Thank you.