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I newly have an IChRA from work. My kids have an HSA HD PLAN THROUGH their dad. I know I can contribute HSA $ on behalf for them in the past, but now w/ my ICHRA. . .

Forum|Forum|3 years ago
December 22, 2022
2 replies
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Am I still allowed to contribute HSA for kids (lots of sports injuries!)? It's not double dipping if HSA contributions made this year only get spent on children and not my claims (have the IChRA).

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Best answer by dmertz

Unless before becoming covered by the HRA plan you were covered by an HDHP plan in 2022 which made you eligible to contribute to an HSA for part of the year, your kids' dad is the only one potentially eligible to contribute to an HSA for 2022.

You have never been eligible to contribute to HSAs on behalf of the kids because the kids being claimable as dependents makes your kids ineligible to contribute to an HSA. You could potentially make a contribution to your kids' dad's HSA on his behalf, but it would be a deduction on his tax return not yours (unless you are married filing jointly). A contribution made to your own HSA, if eligible, would be your contribution, not your kids' contributions.

Employee

sleporebAuthor

I'm sorry. The reply was blank try again?

D

dmertzAnswer

Employee

Unless before becoming covered by the HRA plan you were covered by an HDHP plan in 2022 which made you eligible to contribute to an HSA for part of the year, your kids' dad is the only one potentially eligible to contribute to an HSA for 2022.

You have never been eligible to contribute to HSAs on behalf of the kids because the kids being claimable as dependents makes your kids ineligible to contribute to an HSA. You could potentially make a contribution to your kids' dad's HSA on his behalf, but it would be a deduction on his tax return not yours (unless you are married filing jointly). A contribution made to your own HSA, if eligible, would be your contribution, not your kids' contributions.