What about an adult child signing up for tax coverage for the first time?
My 25 year old daughter has the option to sign up for a HDHC plan with an HSA. I am still covering her on my conventional plan with an FSA. Is she governed by the same rules, or not? The IRS publication is really not clear.
Should she not contribute to the HSA until she ages out at 26?
Along those same lines, I know I couldn't cover her if I had an HSA(which I don't) because she is not a tax dependent. But I read that I can cover her with my FSA because of her age. Do I have that right? Or will she become ineligible once her HDHC goes into affect?
It'll be so much less complicated once she ages out. I'm just so grateful she has access to health care on her own now.
