topic In HSA family plan - Can self and child of 25 years (dependent student) qualify? in Deductions & credits

In HSA family plan - Can self and child of 25 years (dependent student) qualify?

jake2033 — Tue, 24 Feb 2026 07:24:29 GMT

For some some reason turbo tax ask about Self and spouse (non HDCP plan) only not dependent child and in my case it tells me I over contributed

Re: In HSA family plan - Can self and child of 25 years (dependent student) qualify?

Mike9241 — Wed, 13 Sep 2023 23:52:30 GMT

from IRS PUB 969 on HSAs

Family HDHP coverage is HDHP coverage for an eligible individual and at least one other
individual (whether or not that individual is an eligible individual).

The amount you or any other person can contribute to your HSA depends on the type of HDHP coverage you
have, your age, the date you become an eligible individual, and the date you cease to be an eligible individual. If you have family HDHP coverage, you can contribute up to $7,300 (2022)
the HDHP coverage must either exist on the first day of each month or under the last month rule (LMR) on 12/1/2022. The LMR requires you continue HDHP coverage through the end of 2023

so you must have a family HDHP that covers you and your child for the maximum contribution

Re: In HSA family plan - Can self and child of 25 years (dependent student) qualify?

dmertz — Thu, 14 Sep 2023 00:03:50 GMT

Form IRS Pub 969: "Family HDHP coverage is HDHP coverage for an eligible individual and at least one other individual (whether or not that individual is an eligible individual)." That means that you are to indicate that you have family coverage.

It's not clear why TurboTax would indicate that you have an excess contribution if you indicated that you had a family HDHP the entire year (or at least in December), you contributed $7,300 or less for 2022 and you did not indicate any contributions by your spouse (if filing jointly). If you were not covered for December 2022, your contribution limit would be less.