I'm thoroughly confused about HSA contribution eligibility and necessary (tax) reporting + rules for my household:
1.) 56-year old-(at exit in 2020; now 60) public-school teacher elected "early" retirement and received a "severance-like" ($60k) contribution to a post-employment (retiree only) HRA from former-employer... secured full-time employment w/ a private health care organization in 2022 + enrolled in said private-employer's-sponsored HDHP... Upon the guidance of the prior employer's/school district's HR benefit administrator, submitted reimbursement for the employee paid portion of medical insurance premiums from said post-employment HRA in 2021, 2022, 2023 and YTD 2024...
2.) 60-year-old, just retired public health care worker, with a PEHP (post-employment-health-plan/HRA) enrolled in individual coverage via ACA/Marketplace (HDHP) while hoping to maximize individual, deductible, HSA contributions until Medicare/age 65, while also covering covering my portion of the monthly premium payment via PEHP/HRA...
Invested dozens of hours reading/researching various IRS publications, speaking with benefit administrators and tax professionals and have yet to receive the same guidance twice... Please help guide/direct me/us to a clear and definitive answer as we seek to maximize our HSA contributions/balances while also drawing on our HRA/PEHP accounts if possible.
