Question

How much can a non-dependant child covered by his parent's HDHP contribute to his own HSA?

Forum|Forum|7 years ago
June 5, 2019
2 replies
0 views

I am 25 years old, a non-dependant, and covered under my mom's family HDHP (for the entire year). My dad is also covered under the same insurance plan. Can I contribute $6750 to my own HSA (no matter what my parents contribute to their own HSAs), or is the $6750 limit shared between the three of us?

TurboTax Free Edition Online

Critter

Employee

It should ...

The HSA is handled in 3 parts in the TT program :

First the contribution:

https://ttlc.intuit.com/replies/4557768

https://ttlc.intuit.com/replies/4785646

Next the limitations screen to confirm you are eligible to make the contributions:

Until you complete the HSA portion of the TurboTax interview to establish your eligibility for an HSA contribution, TurboTax will treat the amount entered on the W-2 form as an excess HSA contribution.

https://ttlc.intuit.com/replies/5190989

https://ttlc.intuit.com/replies/4788059

And lastly any distribution:

https://ttlc.intuit.com/replies/4787864

Critter

Employee

You cannot contribute to an HSA since you don't have a HDHP of your own ... the policy is your mother's.

C

collin-hogrefeAuthor

That's not true, because I'm covered under the HDHP, I'm a non-dependant, I have no other health coverage, and I'm not enrolled in Medicare; I'm able to contribute to an HSA (reference IRS publication 969). The question is about my contribution limit.