HSA account

[amitus84]

Hello there

So am planning to switch jobs in the States. I am a commuter (commute to US for work and stay near the border) and currently don't have a health plan through employer. But if I get a HDHP plan through a new employer, can I contribute to a HSA?

Just a little background, that my spouse works in the States as well and we have American kids. So we both file as US resident because of the Treaty clause of non-discrimination (am not sure what the clause number is). Since we file as resident are we eligible to enroll in HSA plans? Just trying to understand if it's allowed in the treaty and planning ahead if such a benefit from a prospective new employer is of any use for me or not.

Thanks in advance.

[nelsona]

Whether or not you filed as US resident, you are allowed to participate in an HSA, if you have an HDHP. You won't be able to deduct your contributions on your Cdn return however.

What plan does your spouse have. If she is in an HDHP, you both can have an HSA, whether you have your own plan or not.