Unfortunately, if someone else has included you as a dependent, then you are ineligible for HSA contribution. There is only one option for you to minimize the taxes due. You must contact your HSA bank and inform them that you are ineligible and are requesting an excess contribution withdrawal of all 2016 contributions. This will allow you to avoid a 6% penalty tax. The total contribution amount that will be returned to you will however be added to your taxable income.
