Thank you Opus 17. This has been really confusing. Thanks for the information. We did not pay for more than half of her financial support because she is married and lives with her husband. However the part I'm still a little confused on is the employer contribution money which is not subject to federal tax. We did not put any money in our HSA, it is only the employer's contribution money that is in our HSA. What exactly are the restrictions on using the employer's contribution? I know we would be penalized with taxes if we used any money that we would have contributed into the HSA if we used it towards her medical bills (because she is not a dependent) but again we did not put any money and never have put any money into our HSA. I appreciate any help on this. Thank you!
