Thanks for the detail information. It is very helpful.
For 2024, she has been employed until November. So, she has been contributing to her own HSA and she was covered under an individual HDHP. I also have been contributing to my own HSA and was covered under a family plan (for myself and my daughter). We just split the total evenly to contribute into the two HSAs. Also, I made my catch up contribution in my HSA and she made hers in her HSA. I would think this is ok.
Since it is so close the the end of the year, we think that we would not go through the process to enroll her into my plan. Her plan covers her until end of November. And, she can go through COBRA to have the same plan covering her till the end of the year. Next year, she will be covered under my HDHP.
With the above arrangement, her 2024 contribution would be a little lower than the limit as she would not have the HSA contributions in November and December for this year. But can she still make the contributions in November and December using after tax money?
