Hello!
I have 3 questions related to retirement account and HSA accounts.
(1) I used to have an employer provided 401k account for retirement contributions but since I switched jobs, my present employer does not provide contributions or have retirement plans. So, I am in the process of getting an individual IRA account. I want to know if I can contribute money to my individual IRA account using after tax dollars from my pay check? If I can, can I deduct the total money contributed to my individual IRA account from taxes?
(2) Same question as 1 above but I have my own private health care insurance with HSA not through my employer. I want to know if I can contribute after-tax dollars from my paycheck into that HSA and be eligible for a tax deductible when I file taxes?
(3) Can I use my HSA account to pay for my wife's care if she is not in my current health insurance plan and she has her own plan without an HSA in the same insurance company as mine? If I can't, then if she was in the same health insurance plan as I, can I use my HSA account to pay for her care?
