My wife called her HRA provider today, and they said I am not listed as a dependent on her HRA but can be added as a dependent easily by my wife. I am wondering (perhaps overly optimistically) whether me not being listed as a dependent is enough to make this a non-issue, or if it is still a problem because my wife could add me at any time. (They also noted some accounts the spouse needs to be "linked", but with the way her employer set it up, linking is not necessary.)
If this makes no difference, and if we're still on the hook for my HSA contributions, I am wondering, who should I talk to that will be knowledge enough about the intricacies about all of this to address everything appropriately? It seems like a very specific topic, and we want to be sure we have a hire a tax professional who understands everything, including the special six-month rule that requires a written statement.
