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July 4, 2020

No, an HSA is always owned by an individual. There is no such thing as a joint HSA, even though it may seem that way since you can pay for the qualified medical expenses of your spouse and dependents.

 

Who was the person who signed the papers that created the HSA? This is probably (but not necessarily) the person who is the employee of the company providing the High Deductible Health Plan (HDHP).

 

Furthermore, if you received a form 1099-SA reporting any expenses made in 2019, there will be only one person's name on it, the owner of the HSA.

 

So please ignore the fact that the HSA seems to have 2 people "on it" - just report that the owner has the HSA and enter all relevant information from the W-2 and the 1099-SA.

 

Make sense?

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