BillM223
Expert Alumni

Deductions & credits

Scarecrow2

 

As counterintuitive as it may seem, when you are asked if you "inherited" your HSA from your spouse, answer NO, if you got your HSA from your spouse. 

 

This is because, as Mary said above, you don't "inherit" an HSA from your spouse, instead, upon the death of your spouse, his/her HSA simply becomes yours. The HSA custodian just changes the name on the books and that's it.

 

On the contrary, if you actually inherit the HSA from anyone other than your spouse, then you are taxed on the distribution from the HSA, as if you took a distribution from an IRA.

 

@Scarecrow2 

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