r/HSA

Hello,

It is currently my open enrollment period for work. I currently have a high deductible plan with an HSA which I contribute to. I read today that it may be a good idea to go to a low deductible plan since pregnancy and babies have a lot of care in a short amount of time.

I want to be on a low deductible for 1-3 years. Can I contribute to the same HSA account down the road? Is it ok to go back and forth between the two types?

My 20 something is on his own HDHP which I pay the premiums for; he also uses my credit card to pay his medical expenses. (2025 college grad working two jobs; I'm glad I'm able to help him).

I have an HSA for myself. Could he open an HSA for himself, and I give him the money to fund it, so he could get the tax benefits? Any reason that wouldn't be allowed? Since I'm paying for his medical expenses anyway, if he could get some benefit at tax time that would be great.

Thanks.