Can I participate in my company’s benefit plan if I’m on my spouse’s employer group plan?


I'm sorry, but the answer is no. The StretchDollar pre-tax health benefit reimbursement can only be applied to the premiums of a health plan you buy and own (not someone else's.) If you're already covered by your spouse's employer group plan and wish to remain on that plan, you won't be able to use your company health benefit.


The StretchDollar pre-tax health benefit is also known as an ICHRA or individual health reimbursement arrangement, a relatively new rule established by the IRS. StretchDollar's ICHRA is specific for health insurance premiums.

How can you take advantage of your pre-tax premium benefit?

If your employer's pre-tax premium benefit offers you more cost savings than being on your spouse's group plan, you might consider leaving your spouse's plan and purchasing your own individual health insurance.


Check out this article for more details on how to do that: I’m on my spouse’s plan but I want to switch to StretchDollar. What should I do?

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