3697187
I graduated in May and started a new job in August. I am eligible to be claimed as a dependent on my parent's 2025 tax return. I have been told by both my employer and the company that runs the HSA account that I can contribute to an HSA if I am eligible to be claimed, but am not actually claimed. However, I have seen some contradictions on the IRS website and other online sources, so I am unsure if I am actually eligible to have an HSA.
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The company is wrong. If you can be claimed as a dependent you can’t have an HSA even if you are not claimed. Note that if you provide more than half of your own support you can’t be claimed.
So the insurance plan that my employer offers automatically includes an HSA account. If I open the HSA account, but make 0 contributions until I am HSA eligible, will it still be ok to have the account?
That’s fine but make sure that neither you nor your company makes contributions until you are eligible.
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