As a dependent on another tax return, you are not eligible to make contributions to a Health Savings Account (HSA).
Since you are not eligible to contribute to the HSA, any contributions that you made are considered to be excess contributions and will be taxed. The only way to avoid this taxation is to file your own return and not be claimed as a dependent on your parents’ return.
The information reported on your 1099-SA must also be included on your personal return. It cannot be included on your parents’ return since it was issued to you.
[edited 3/27/18 11:37 EST]
