<prompt> Human: As the title states, Im insured through my spouses employer. Their spousal coverage cost is roughly the same as what my company will cover for me as an individual a negligible difference. Since I already have sufficient coverage through my wifes plan, I am wondering if I should just enroll in a high deductible plan just to take advantage of contributing to an HSA. The HDHP cost is 29.80 per biweekly pay period. Employer does not match. I plan to max out my contributions at 3,400 in 2017 and 3,450 in 2018. Is this a good idea? Does having health insurance preclude me from enrolling in another plan or make me ineligible to contribute to an HSA?  <response>: If youre covered under a non HDHP then youre not eligible for an HSA. 