<prompt> Human: heres my situation:1 24 years old, single, full-time employed, making 110,000 marginal tax bracket 282 currently on my parents insurance Cadillac Plan3 current employer offers 100month 1,200yr credit for not using their insurance -- 864 after taxes 284 next year, employer will be offering a high deductible plan which will cost me 0month but will enable me to contribute funds to an HSA -- if i choose this option, i lose the 100month5 2015 contribution limits are 3,350 before tax -- 2,412 after tax for a tax savings of 938. 6 from what i see, it makes more sense to stay on both insurance plans and contribute the maximum to the HSA to take advantage of the initial tax savings and future tax-free growth7 i dont plan to spend any of the money in the HSA -- just another account for growth yes, 401k and roth ira are maxed out, as well as healthy contributions to a 529now my questions:1 has anyone done something like this where they carry two insurance policies? any issues?2 is there an even better way to gain access to an HSA where i can continue to receive the employer kickback as well as benefit from the HSA account tax savings?  <response>: If you are covered by another health insurance policy you are not eligible for an HSA. Source: 