Separate HSA for non dependent child

Forum|Forum|11 months ago
April 30, 2025
1 reply
0 views

I have a child graduating from college who will no longer be a dependent on my taxes, but he will still be covered on my employer-provided HDHP. I am trying to determine if he can open his own HSA account to cover qualified medical expenses, if I am already contributing the family maximum to my employer HSA.

Not A Product Question

Mike9241

the first question is whether you can claim him as a dependent even if you don't do so. if the answer is yes, then he can't have his own HSA. if the answer is no such as being 24 or over at year end (he fails qualifying child test) and not be a qualifying relative meaning his gross income for 2025 is $5200 or more or he provides over 1/2 his support

if you can't claim him as a dependent then yes he can have his own HSA see this interesting link.

https://americanfidelity.com/blog/reimburse/hsa-mistakes-dependents

also, note the family limit for 2025 is $8550

adamsfam1121Author

Hi! So, he is 22, but has a FT job, doesn't live with me, and I don't provide him financial support. I believe with that set of facts, I cannot claim him as a dependent?

Mike9241

without going into some of the other info concerning him, the fact that he provides over 1/2 his own support disqualifies you from claiming him as a dependent.