BillM223
Expert Alumni

Get your taxes done using TurboTax

It does not matter from whom you had HDHP coverage. Your plan, your husband's plan - it's all the same, so long as you had no conflicting coverage. You had Family coverage all year.

 

Also, it does not matter that your husband has an HSA or not. An HSA is like an IRA in the sense that it belongs to the individual, not the employer.

 

While it may seem that you have a joint HSA, in fact, all HSAs are owned by the individual. This means, of course, that each of you can have a separate HSAs.

 

This will become important when one or both of you turn 55 - at age 55, the owner of the HSA can add $1,000 to the limit for that HSA. If you are close, let us know, and we will explain the details of what this means for you.

 

PS. TurboTax will create both the 8889-T and 8889-S, even if one of them won't get filed. Don't worry about it. The 8889 will be filed for the person who has the HSA.

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