Thank you. It does indeed seem like a loophole. I had read that first article before, but I was confused why the parents were required to share the limit but not the non-dependant "children".
I did a bit more research, and even IRS form 8889 is silent on this. Specifically, the instructions for line 6 state that married couples must share the limit with their spouse, but there is no mention of other eligible contributors.
Now assuming it is a legal "loophole", I wonder if the TurboTax tool will recognize it and allow contribution up to the family plan limit. I assume so, but I don't know for sure.
