Does the civil union law apply to medical savings accounts (MSAs)?
No. MSA’s are regulated under federal law. This type of health insurance combines a high-deductible health insurance plan with a tax-sheltered savings account. The main benefit of the MSA is that you can contribute “pre-tax” dollars (money on which you do not pay federal taxes) to the savings account which you can then use to pay your insurance premiums and deductible. Federal law may not allow you to make tax-free contributions to your MSA to cover insurance benefits for your civil union partner or partner’s dependents.