My spouse and I both currently work at Washoe County. Can we both have an HSA/HDHP?
Since you are covered as individual employees by Washoe County you will have a separate $2,500 annual deductible if both enroll in the HSA/HDHP. It may be more cost effective for one spouse to enroll in the HSA/HDHP with the $2,500 deductible (include other eligible dependents if applicable) and the other spouse to enroll in the current PPO plan. Monies from the employee with the HSA account can be used for out-of pocket medical expenses for family members regardless of whether or not they are on the same health plan.