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Possibly. IRS publication 969 states that you can use an HSA to pay qualifying medical expenses for yourself, a spouse, or a dependent. You can include expenses for a person who would have been your dependent if the only reason they are disqualified is that they earned more than $4050 during the tax year.
That refers to the rules for a "qualifying relative" dependent. Your child can be a qualifying relative dependent if you provide more than half their total financial support, and they earned less than $4050. (For a child to be a qualifying relative dependent, it doesn't matter where they live or how old they are. You just have to provide more than half their support.) If you provide more than half your child's support, but they are disqualified from being a tax dependent because their income is over the limit, then even though you can't claim them as a tax dependent, their medical expenses you can still pay their medical expenses from your HSA.
If your child is disqualified from being your dependent because they pay more than half of their own financial support, then even though you provide their health insurance up to age 26, you can't use the HSA to pay their out-of-pocket expenses.
Possibly. IRS publication 969 states that you can use an HSA to pay qualifying medical expenses for yourself, a spouse, or a dependent. You can include expenses for a person who would have been your dependent if the only reason they are disqualified is that they earned more than $4050 during the tax year.
That refers to the rules for a "qualifying relative" dependent. Your child can be a qualifying relative dependent if you provide more than half their total financial support, and they earned less than $4050. (For a child to be a qualifying relative dependent, it doesn't matter where they live or how old they are. You just have to provide more than half their support.) If you provide more than half your child's support, but they are disqualified from being a tax dependent because their income is over the limit, then even though you can't claim them as a tax dependent, their medical expenses you can still pay their medical expenses from your HSA.
If your child is disqualified from being your dependent because they pay more than half of their own financial support, then even though you provide their health insurance up to age 26, you can't use the HSA to pay their out-of-pocket expenses.
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