Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
New Member
posted Apr 17, 2022 5:50:55 PM

Why can't I file with an HSA and not high deductible plan?

0 2 587
2 Replies
Level 4
Apr 17, 2022 6:00:20 PM

Only individuals who are covered by a high deductible plan may contribute to an HSA.  That's just the rule. 

Expert Alumni
Apr 17, 2022 6:50:19 PM

From IRS Publication 969

Qualifying for an HSA Contribution

To be an eligible individual and qualify for an HSA contribution, you must meet the following requirements.

You are covered under a high deductible health plan (HDHP), described later, on the first day of the month.

You have no other health coverage except what is permitted under Other health coverage, later.

You aren’t enrolled in Medicare.

You can’t be claimed as a dependent on someone else’s 2021 tax return.