How much can a non-dependant child covered by his parent's HDHP contribute to his own HSA?

[collin-hogrefe]

I am 25 years old, a non-dependant, and covered under my mom's family HDHP (for the entire year). My dad is also covered under the same insurance plan.  Can I contribute $6750 to my own HSA (no matter what my parents contribute to their own HSAs), or is the $6750 limit shared between the three of us?

[Critter]

It should ...

The HSA is handled in 3 parts in the TT program :

First the contribution:

https://ttlc.intuit.com/replies/4557768

https://ttlc.intuit.com/replies/4785646

Next the limitations screen to confirm you are eligible to make the contributions:

Until you complete the HSA portion of the TurboTax interview to establish your eligibility for an HSA contribution, TurboTax will treat the amount entered on the W-2 form as an excess HSA contribution.

https://ttlc.intuit.com/replies/5190989

https://ttlc.intuit.com/replies/4788059

And lastly any distribution:

https://ttlc.intuit.com/replies/4787864

[Critter]

You cannot contribute to an HSA since you don't have a HDHP of your own ... the policy is your mother's. 

[collin-hogrefe]

That's not true, because I'm covered under the HDHP, I'm a non-dependant, I have no other health coverage, and I'm not enrolled in Medicare; I'm able to contribute to an HSA (reference IRS publication 969).     The question is about my contribution limit.

[Critter]

retracted answer.

[Critter]

I read the entire pub ... no where does it say that a non dependent on a HDHP can contribute to an HSA ... only the Taxpayer & Spouse are mentioned.  So I still stand by my original answer ... but discuss this with the HSA plan administrator as they may have more in site on this subject.

[Critter]

Here is a post that supports your position ... it seems that the ACA rules had unintended consequences in your favor ... a sort of loop hole that has not been plugged yet ...

<a rel="nofollow" target="_blank" href="http://www.hsaedge.com/2016/08/13/your-adult-children-on-your-family-insurance-can-have-their-own-hs...>

[Critter]

<a rel="nofollow" target="_blank" href="http://www.benefitspro.com/2010/12/25/crazy-hsa-rules">http://www.benefitspro.com/2010/12/25/crazy-h...>

[collin-hogrefe]

Thank you.  It does indeed seem like a loophole.  I had read that first article before,  but I was confused why the parents were required to share the limit but not the non-dependant "children".

I did a bit more research, and even IRS form 8889 is silent on this.  Specifically, the instructions for line 6 state that married couples must share the limit with their spouse, but there is no mention of other eligible contributors.

Now assuming it is a legal "loophole", I wonder if the TurboTax tool will recognize it and allow contribution up to the family plan limit.   I assume so, but I don't know for sure.