I’m not entirely sure as Covered CA lets you setup groups so that different family members can be on different plans (as I outlined in the initial post). I ultimately pay one bill for the combined premium for everyone in my family and the children are dependents.The way you wrote this, it sounds like each person has their own individual plan? If so, then each eligible person can only contribute the individual amount.
Parent A is not eligible (they have non-HSA coverage).
Parent B is eligible.
The children may or may not be because we don’t know how old they are.
“A family of people who each have eligible coverage” is not the same as “covered by a family plan”.
Trying to group the plans in some way (either having both parents on the same plan or having the children on one of the parent’s plans) increases the yearly premiums by $3,000-$4,000 which ends up being worse than just doing the individual HSA contribution.
Statistics: Posted by Majiik — Mon Nov 17, 2025 11:17 pm — Replies 5 — Views 408