But my parents can not pay for my medical expenses out of their HSA account, so shouldn't I be able to open my own HSA since I am not a dependent but am covered under a family HDHP? The Publication you sited does not exclude me from opening an HSA on my own I was covered by a HDHP I am not a dependent, I do not have any other insurance and I am not a spouse. I need to find somethings that strictly excludes me from this tax benefit. Also I would not be splitting the contribution I would be contributing to my HSA at the family rate.
