As a dependent on someone else's tax return, you're not allowed to make contributions to a Health Savings Account (HSA).
Since you weren't eligible to contribute to an HSA, any contributions you made are considered excess contributions, and will be taxed.
The only way to avoid this is to file your own return, claiming yourself, and not be claimed as a dependent on your parents’ return.
The information reported to you on your Form 1099-SA has to be included on your own personal return. It can't be included on your parents’ return, since it was issued to you.
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