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Home > Broker > Plan Information > CDH/SmartSpend Info Center > CDH Guru

CDH guru

Info you need to know to be a trusted consumer-driven health plan advisor to your clients.

Eligibility Requirements

  • Q&A #1 - Subscriber status and HSA eligibility
  • Q&A #2 - Medicare Part A and HSA eligibility
  • Q&A #3 - Impact of spousal Medicare enrollment
  • Q&A #4 - HSA/HRA eligibility within same plan

HSA Contributions

  • Q&A #1 - Partial-year eligibility and maximum contributions
  • Q&A #2 - Catch-up contributions
  • Q&A #3 - Lump-sum and irregular HSA contributions
  • Q&A #4 - Family contracts and contribution limits
  • Q&A #5 - The impact of a mid-year change on the maximum contribution limit
  • Q&A #6 - Setting up employer/employee HSA contributions
  • Q&A #7 - How to correct HSA "overcontributions"

HSA Distributions

  • Q&A #1 - Reimbursing expenses for non-covered family members
  • Q&A #2 - Tax implications on distributions made when no longer HSA eligible
  • Q&A #3 - Reimbursing expenses of non-enrolled family members
  • Q&A #4 - What expenses can be reimbursed from an HSA?
  • Q&A #5 - Whose expenses can be reimbursed from an HSA?
  • Q&A #6 - Can I reimburse expenses for a spouse enrolled in Medicare?
  • Q&A #7 - Reimbursing HSA expenses of family members on another plan.
  • Q&A #8 - Reimbursing HSA expenses of a non-tax-dependent family member
  • Q&A #9 - Reimbursing HSA expenses of a life partner
  • Q&A #10 - Making tax-free distributions for eligible expenses when no longer HSA eligible
  • Q&A #11 - How far back can I go to reimburse HSA-eligible expenses?

HSA Rollovers

  • Q&A #1 - Account rollover "no-nos"
  • Q&A #2 - Can I roll an IRA into my HSA?
  • Q&A #3 - Can I make an HSA-to-HSA rollover?
  • Q&A #4 - Can I move balances from one HSA to another more than once per calendar year?

Special Edition

HRA Rules

  • Q&A #1 - What expenses may an HRA reimburse?
  • Q&A #2 - What are the rules around the underlying health insurance product and HRA eligibility?
  • Q&A #3 - What options does an employer have when designing an HRA?
  • Q&A #4 - Can an employer charge active employees a premium for the HRA?
  • Q&A #5 - Can an employer offer an HRA and a Health FSA together?
  • Q&A #6 - Do former employees have COBRA rights to continue their HRAs?
  • Q&A #7 - Installing an HSA-qualified health plan and attaching an HRA
  • Q&A #8 - Who is not eligible to receive tax-free reimbursements from an HRA?
  • Q&A #9 - Which should I offer - an HSA or an HRA?

CDH Quizzes

  • Quiz #1 - Health FSA and HDHP/HSA eligibility
  • Quiz #2 - Medicare and HDHP eligibility
  • Quiz #3 - Medicare and HSA eligibility
  • Quiz #4 - Mid-year transition and HSA eligibility
  • Quiz #5 - HSA eligibility and COBRA
  • Quiz #6 - Marital status and HSA eligibility
  • Quiz #7 - Health FSA and HSA eligibility
  • Quiz #8 - Medicare Part A and HSA eligibility
  • Quiz #9 - Beverly bungles her HSA contribution memo
  • Quiz #10 - Henry's HSA trustee muddles the rules
  • Quiz #11 - Mary misspeaks about HSA plan cost sharing
  • Quiz #12 - Paul ponders Medicare HSA eligibility information