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@W16VA wrote:   1.  I will proceed with a family HDHP plan which has Inspira to manage HSA.  I will find out whether they would handle my wife's HSA, since I can't have my own.  How would the contributions take place, monthly or as a lump sum, up to the limits within each year?   Your wife can't contribute using your payroll deductions under your employer sponsored plan.  She has to contribute using her own money.  She will have to open her own HSA account at any bank that offers them; there are many–Inspira might even offer private accounts in addition to work sponsored accounts.  If not, HSAs are offered by other banks.  Make sure to ask about transaction fees and monthly or annual maintenance fees.  Those fees are probably covered by the employer if you have an employer account but you (or she)  will pay them if you have a private account.     She can contribute at any time in any manner she chooses--monthly, weekly, lump sum, whatever--as long as her total annual contribution is not more than the maximum for that year.     2.  I plan to stay on such HDHP plan. working for another year or two, would her HSA's contributions be prorated to those months I am still covered by that plan?   If I happen to retire early during a year, I assume the remaining months can not allow any further deductible contributions.   In any year where she is not covered by an HDHP for the entire year, her contribution limit is pro-rated on a monthly basis, with eligibility determined by her insurance coverage as of the first day of the month.  In other words, if you terminate your insurance on July 15, she would be eligible for 7 months and her contribution limit would be 7/12th of whatever the maximum was for that year.    Finally, I hope such HSA money can be used later while we both no longer can be in any HDHP.       Your HSA funds belong to you forever.  They can always be spent tax-free for qualified medical expenses for the account owner, their spouse, and their tax dependents.  The rules for spending the money are not connected to the eligibility rules for making contributions.  Also, if the account owner is age 65 or older, funds may be withdrawn for any reason and are subject to regular income tax (like an IRA) but not the additional 20% penalty that applies if you use funds for non-medical purposes under age 65. 

@NCperson wrote: @Opus 17 can you please reconfitm the 'wrinkle' paragraph?  A child certainly can be a dependent beyond the age of 24, they just can't be a Qualified Child (unless disabled) but they could be a Qualifying Relative.  Does that change the advise?    example of a dependent (a Qualifying Relative): A 25 year old child is on the OP's insurance, providing more than 50% of their support costs and the child earns less than $5200.        Correct, a QR dependent can't contribute to an HSA.  I would like to think that most 19-26 year olds can earn at least $5500, though, especially if they are not full time students.   The case I am thinking about is a child who graduates college and is earning a little money, but is still carried on their parents' insurance until age 26, or a child not in college between the age of 19-26 who works a little but is still covered by their parents' insurance. 

If you did not file a 2020 return you can still file the return by mail now, but you will not receive a refund.   A 2020 refund has been forfeited and will not be paid to you by the IRS.  If you owed tax due for 2020, it is still owed with late filing penalties and interest.      E-filing is closed for 2020 tax returns.  The only way to file a 2020 return is to print it, sign and date it in ink, and mail it in.   https://ttlc.intuit.com/community/prior-year-return/help/how-do-i-access-my-prior-year-return/01/27010     https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/save-2021-turbotax-online-return-pdf/L8dHfRkpT_US_en_US?uid=m5y4ch1y   Many people have multiple TT accounts and forget how to access them.  Log out of the account you are in now.     https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/many-intuit-accounts-turbotax/L9aVfKS1Z_US_en_US?uid=ll5g6zcx Account Recovery     Or did you use the desktop version of TurboTax?  If so, the files are on your own hard drive or any backup device you used like a flash drive.  

No one in the user forum can resolve a billing issue.  If you have a question about your TurboTax fees or billing, make sure you use the word “billing” in your request for help.  Do not use the word “refund.”   https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/contact-turbotax/L2y9ZKpQB_US_en_US?uid=m5s9l2vh

Hi @clamp1455  If you're in TurboTax Online, select "Intuit Account" on the bottom left of your screen. You can also log into https://accounts.intuit.com/  Under "Products & billing" and "Payment methods", you may find what you're looking for. Be sure you're in the correct account.  Here's a related help article: I need help signing in to my Intuit Account Another option is to search keywords in your email inbox.