Hi @crimsondryad,
Since your daughter is on your health insurance (which I assume is a HSA-qualified plan), then she can open her own HSA.
The IRS states the following on page 3-4 of Publication 969:
"Qualifying for an HSA Contribution
To be an eligible individual and qualify for an HSA contribution, you must meet the following requirements.
• You are covered under a high deductible health plan (HDHP), described later, on the first day of the month.
• You have no other health coverage except what is permitted under Other health coverage, later.
• You aren’t enrolled in Medicare.
• You can’t be claimed as a dependent on someone else’s 2022 tax return."
As we discussed earlier, your daughter cannot be claimed as your dependent because her income was too high. I suggest she open up her own HSA and contribute the max, if she can afford it. I wish I was 19 and eligible to contribute to an HSA! 🐵
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