Do I need to be the primary holder of the High deductible healthcare plan in order to contribute to a HSA? Right now, I'm on my parent's family HSA plan where I'm not the primary holder. My employer has an HSA plan that deducts $27 per month, and contributes $42 to the plan for a single employee. At the max I want to contribute up to the $3450 limit, my salary for 2018 is $98500, I already maxed out my trad IRA ($5500) and 401k ($18500) and my goal for HSA is primarily another tax shelter, but I'm thinking I'd only save another $500 in taxes with the $3450 deduction added on. Given that I need to be the primary account holder of the healthcare plan, I'm not sure if it's worth paying for it.
