We offer our employees an HDHP and HSA. We contribute the *single person* maximum contribution the the HSA employee accounts, prorated each month (about $250 right now) regardless of a person's family status. Employees with families are free to contribute more directly to the account. We don't do payroll deduction. I understand that if you are covered by a secondary non-HDHP insurance (like through a spouse), you are not allowed to contribute to the HSA. But how does that affect the employer contributions? Are we, the employer, allowed to contribute? We have one employee who is covered on his spouse's plan as well as ours. If we are not allowed to contribute to his account, doesn't that make our plan discriminatory?